United Citizens Bank & Trust Company: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The standout move of Q2 2026 was in Cost of borrowings: 8.42 percentage points higher than in Q1 2026, at 11.38%. Within Kentucky, United Citizens Bank & Trust Company is 17th of 119 on net interest margin, 4.63% as of Q2 2026, above the middle of the field. United Citizens Bank & Trust Company reported 4.63% on net interest margin for Q2 2026, 0.68 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.97% |
| Yield on loans | 6.60% |
| Yield on securities | 2.13% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.45% |
| Cost of interest-bearing deposits | 1.98% |
| Cost of interest-bearing liabilities | 2.02% |
| Cost of borrowings | 11.38% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.63% |
| Yield to cost spread | 3.95% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.0M |
| Total interest expense | $718K |
| Interest expense on deposits | $693K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.82% | 1.13% | 4.77% | 6.78% | 1.73% |
| Q4 2023 | 5.40% | 1.37% | 4.15% | 6.15% | 2.63% |
| Q1 2024 | 5.48% | 1.97% | 3.91% | 6.21% | 2.19% |
| Q2 2024 | 5.62% | 1.74% | 3.99% | 6.35% | 1.79% |
| Q3 2024 | 5.70% | 1.75% | 4.06% | 6.43% | 1.83% |
| Q4 2024 | 5.78% | 1.70% | 4.23% | 6.57% | 2.37% |
| Q1 2025 | 5.76% | 1.58% | 4.27% | 6.39% | 2.32% |
| Q2 2025 | 5.84% | 1.59% | 4.36% | 6.44% | 2.16% |
| Q3 2025 | 5.86% | 1.58% | 4.40% | 6.52% | 2.07% |
| Q4 2025 | 5.85% | 1.51% | 4.48% | 6.52% | 2.19% |
| Q1 2026 | 5.73% | 1.37% | 4.43% | 6.37% | 2.10% |
| Q2 2026 | 5.97% | 1.45% | 4.63% | 6.60% | 2.13% |
United Citizens Bank & Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock United Citizens Bank & Trust Company, freeSource: Call Report Schedules RI and RC-K, 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)