What is United Citizens Bank of Southern Kentucky's financial health grade?

United Citizens Bank of Southern Kentucky has a TFS Financial Health Grade of B- (score: 82.8/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does United Citizens Bank of Southern Kentucky have?

United Citizens Bank of Southern Kentucky has 6 branch locations across the United States.

Is United Citizens Bank of Southern Kentucky FDIC insured?

Yes, United Citizens Bank of Southern Kentucky is FDIC insured (Certificate #57867).

What are the total assets of United Citizens Bank of Southern Kentucky?

United Citizens Bank of Southern Kentucky has total assets of $269.8M as reported in its most recent FDIC filing.

United Citizens Bank of Southern Kentucky

BankColumbia, Kentucky

www.ucbsky.com

Total Assets

$269.8M

Total Deposits

$231.7M

Branches

Established

2004

TFS Health Grade

B-

82.8 / 100

Good financial health

How we grade

United Citizens Bank of Southern Kentucky is a bank headquartered in Columbia, Kentucky, established in 2004. With $269.8M in total assets and 6 branch locations, it has a TFS Financial Health Grade of B- (82.8/100).

Capital & Safety

Tier 1 Capital Ratio

12.15%(8%)

Total Capital Ratio

17.86%(10%)

Non-Performing Loan Ratio

0.47%

Profitability

Return on Assets (ROA)

1.76%(1%)

Return on Equity (ROE)

15.63%(10%)

Net Interest Margin

4.77%

Efficiency Ratio

50.84%(60%)

Lending & Liquidity

Total Loans

$232.0M

Loan-to-Deposit Ratio

98.79%

Net Charge-Off Ratio

0.12%

Growth

Asset Growth (YoY)

+6.03%

Deposit Growth (YoY)

+6.49%

Net Income

$4.7M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
United Citizens Bank of Southern KentuckyHQ	700 Jamestown St	Columbia	KY	11
United Citizens Bank of Southern Kentucky	294 Campbellsville Byp	Campbellsville	KY	11
United Citizens Bank of Southern Kentucky	1582 Campbellsville Rd	Columbia	KY	11
United Citizens Bank of Southern Kentucky	202 Dohoney Trce	Columbia	KY	11
United Citizens Bank of Southern Kentucky	279 Industrial Park Rd	Greensburg	KY	11
United Citizens Bank of Southern Kentucky	2261 S Highway 127	Russell Springs	KY	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.