United Citizens Bank & Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks United Citizens Bank & Trust Company of Campbellsburg, KY against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.16% | 1.35% | -0.19% | 43rd below |
| ROAE | 12.32% | 12.05% | +0.27% | 50th above |
| Net Interest Margin | 4.63% | 3.90% | +0.73% | 84th top |
| Efficiency Ratio | 67.17% | 63.15% | +4.02% | 34th below |
| PPNR / Avg Assets | 1.57% | 1.64% | -0.07% | 49th below |
| Yield on Earning Assets | 5.97% | 5.65% | +0.32% | 67th above |
| Cost of Funds | 1.45% | 1.85% | -0.40% | 72nd above |
| Net Interest Spread | 3.95% | 3.35% | +0.60% | 81st top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.73% | 0.92% | +0.81% | 15th bottom |
| NPA / Total Assets | 1.40% | 0.67% | +0.73% | 13th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.15% | -0.12% | 32nd below |
| ACL / Total Loans | 0.94% | 1.28% | -0.34% | 19th bottom |
| ACL / NPLs (Coverage) | 54.24% | 1645.82% | -1591.58% | 12th bottom |
| Texas Ratio | 13.98% | 7.15% | +6.83% | 14th bottom |
| Provision / NCO | 120.00% | 1189.85% | -1069.85% | 44th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.02% | 12.46% | -2.44% | 32nd below |
| Equity / Assets | 9.58% | 11.67% | -2.09% | 37th below |
| TCE / Tangible Assets | 9.58% | 11.40% | -1.82% | 41st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.94% | 78.64% | +11.30% | 28th below |
| Core Deposit Ratio | 90.13% | 87.09% | +3.04% | 55th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.28% | 6.47% | -2.19% | 49th below |
| Loan Growth (Y/Y) | 4.50% | 7.64% | -3.14% | 45th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.57% | 6.02% | -1.45% | 55th above |
See United Citizens Bank & Trust Company's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock United Citizens Bank & Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full United Citizens Bank & Trust Company profile, how to read a UBPR, or how this data updates.