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United Citizens Bank Of Southern Kentucky
Columbia, KY · FDIC Certificate #57867 · Chartered 12/0
Total assets
$286.21M
Total deposits
$243.47M
Total equity
$32.96M
Net loans
$242.29M
Branches (offices)
6
Net income (YTD)
$2.72M
Rank: #2,539 of 4,213 U.S. banks by assets · #62 of 120 in Kentucky. Assets changed 7.1% and deposits 5.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.96% |
| Return on equity | 16.92% |
| Net interest margin (YTD) | 4.90% |
| Equity to assets | 11.52% |
| Tier 1 leverage ratio | 12.07% |
| Uninsured deposits (share of deposits) | 12.7% |
| Noncurrent loans (share of loans) | 0.43% |
| Net charge-offs (share of loans) | 0.05% |
| Loans to deposits | 99.5% |
| Real estate loans (share of loans) | 79.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $192.19M | 79.3% | |
| Commercial & industrial | $25.11M | 10.4% | |
| Consumer / individual | $16.80M | 6.9% | |
| Construction & development | $10.85M | 4.5% | |
| Agricultural | $10.92M | 4.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $218.58M | $194.65M | $1.46M | $23.56M |
| Jun 2023 | $222.52M | $191.40M | $1.37M | $24.34M |
| Jun 2024 | $249.50M | $216.57M | $1.77M | $26.43M |
| Jun 2025 | $267.31M | $231.99M | $2.36M | $29.57M |
| Jun 2026 | $286.21M | $243.47M | $2.72M | $32.96M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $243.47M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $243.47M.
Similar-sized banks
Peoples State Bank ($286.47M) · First Federal Bank Of Wisconsin ($285.91M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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