United Citizens Bank & Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 11.74 percentage points in Q2 2026, from 42.50% to 54.24%. It was the largest change from Q1 2026 among the key lines here. United Citizens Bank & Trust Company ranks 70th of 119 Kentucky banks on return on assets, in the lower half at 1.16% (Q2 2026). United Citizens Bank & Trust Company reported 1.16% on return on assets for Q2 2026, 0.09 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.02% |
| Equity capital to assets | 9.58% |
| Tangible equity to tangible assets | 9.58% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.73% |
| Non-performing assets ratio | 1.40% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 13.98% |
| Allowance for credit losses to loans | 0.94% |
| Reserve coverage of non-performing loans | 54.24% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.16% |
| Return on equity | 12.32% |
| Net interest margin | 4.63% |
| Efficiency ratio | 67.17% |
| Yield on earning assets | 5.97% |
| Cost of funds | 1.45% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.94% |
| Core deposits to total deposits | 90.13% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.04% |
| Securities to assets | 8.53% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.85% | 2.04% | 4.77% | 0.26% | 0.02% |
| Q4 2023 | 9.21% | 1.34% | 4.15% | 0.16% | 0.00% |
| Q1 2024 | 9.25% | 0.81% | 3.91% | 0.15% | 0.01% |
| Q2 2024 | 9.22% | 1.31% | 3.99% | 0.39% | 0.03% |
| Q3 2024 | 9.43% | 1.17% | 4.06% | 1.03% | 0.04% |
| Q4 2024 | 9.32% | 1.32% | 4.23% | 0.63% | 0.01% |
| Q1 2025 | 9.70% | 0.93% | 4.27% | 1.07% | 0.01% |
| Q2 2025 | 9.62% | 1.10% | 4.36% | 1.51% | 0.00% |
| Q3 2025 | 9.87% | 1.19% | 4.40% | 2.02% | 0.02% |
| Q4 2025 | 9.61% | 1.20% | 4.48% | 2.03% | 0.02% |
| Q1 2026 | 9.80% | 0.94% | 4.43% | 2.18% | 0.03% |
| Q2 2026 | 10.02% | 1.16% | 4.63% | 1.73% | 0.03% |
United Citizens Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock United Citizens Bank & Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full United Citizens Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15249) · FFIEC NIC profile (RSSD 336147)