United Citizens Bank of Southern Kentucky Inc.
Columbia, KY·RSSD 3306598·FDIC 57867·bank:3306598·Risk-based ratios where reported
- #62 of 120Total assets in Kentucky
- 6offices
- 58employees
- #6 of 105Efficiency in Kentucky
- #9 of 105Net interest margin in Kentucky
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
No material changes against peers this quarter
0 of 27 FORFI signals stand out against 1223 similar banks, based on FDIC data for the quarter.
Where United Citizens Bank of Southern Kentucky Inc. differs most from peers
Loan-to-deposit ratio among the highest of similar banksContext: Liquidity100.8%peers 77.5%+23.3 pp
United Citizens Bank of Southern Kentucky Inc.'s loans as a share of deposits was 100.8%, compared with a median of 77.5% among 1213 similar banks: higher than 91% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Loans as a share of deposits | ||
| 100.8% | 77.5% | +23.3 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. United Citizens Bank of Southern Kentucky Inc. itself is left out of every peer median and percentile. How signals work
Efficiency ratio among the lowest of similar banksContext: Efficiency46.9%peers 63.3%-16.4 pp
United Citizens Bank of Southern Kentucky Inc.'s efficiency ratio was 46.9%, compared with a median of 63.3% among 1220 similar banks: lower than 89% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 46.9% | 63.3% | -16.4 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. United Citizens Bank of Southern Kentucky Inc. itself is left out of every peer median and percentile. How signals work
Net interest margin among the highest of similar banksContext: Earnings4.96%peers 4.03%+93 bps
United Citizens Bank of Southern Kentucky Inc.'s net interest margin was 4.96%, compared with a median of 4.03% among 1222 similar banks: higher than 88% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin | ||
| 4.96% | 4.03% | +93 bps |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. United Citizens Bank of Southern Kentucky Inc. itself is left out of every peer median and percentile. How signals work
Key facts
- United Citizens Bank of Southern Kentucky Inc. is a bank headquartered in Columbia, Kentucky. It reported $286 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $243 million, up 5.0% from a year earlier, and loans totaled $246 million, up 7.0%.
- Its net interest margin was 4.96% and its annualized return on assets was 2.01% for the quarter.
- Its cost of all deposits was 2.19%, compared with a median of 1.68% among 1213 similar banks with $100 million to $300 million in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With United Citizens Bank of Southern Kentucky Inc.'s own data, FORFI would look at: Which relationships could bring deposits to fund the loan book.
Analysis workspaces
Sources and identifiers
- Institution
- United Citizens Bank of Southern Kentucky Inc. · Bank
- Federal Reserve RSSD
- 3306598
- FDIC certificate
- 57867
- Reporting period
- Peer group
- 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. United Citizens Bank of Southern Kentucky Inc. itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $1.41M | — | |
| $4.68M | — | |
| $1.37M | — | |
| $3.31M | — | |
| $467K | — | |
| $1.77M | — | |
| $130K | — | |
| $130K | — | |
| 2.01% | 2.00%ROAQ · Quarter | |
| 4.96% | 4.94%NIMYQ · Quarter | |
| 46.88% | 46.88%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.