D
United Citizens Bank of Southern Kentucky, Inc.
Rating Date
March 2026
Risk Based
Capital Ratio
17.86
Leverage
Ratio
12.15
Return On
Assets
1.75%
Total
Assets
269.78M
Capital
32.09M
Total
Deposits
231.73M
Net
Income
4.67M
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Weiss Ratings United Citizens Bank of Southern Kentucky, Inc.
Columbia, KY 		Click to
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Rating D
Asset Quality Index 7.60
Capitalization Index 10.00
Liquidity Index 0.10
Profitability Index 9.40
Stability Index 3.70
Company Info United Citizens Bank of Southern Kentucky, Inc.
Columbia, KY 		Click to
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FDIC Number 57867
Phone Number (270) 384-2265
Website www.ucbsky.com
Asset Quality United Citizens Bank of Southern Kentucky, Inc.
Columbia, KY 		Click to
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1-Year Asset Growth 6.03%
5-Year Asset Growth 11.40%
5-Year Charge-Offs to Average Loans 0.04%
Charge-Offs to Average Loans 0.12%
Non-Performing Assets to Assets 0.41%
Non-Performing Loans to Capital 3.39%
Non-Performing Loans to Loans 0.47%
Balance Sheet United Citizens Bank of Southern Kentucky, Inc.
Columbia, KY 		Click to
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Total Assets 269.78M
Total Deposits 231.73M
Capital and Reserves United Citizens Bank of Southern Kentucky, Inc.
Columbia, KY 		Click to
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Capital 32.09M
Leverage Ratio 12.15
Loan Loss Reserves to Loans 1.31%
Risk-Based Capital Ratio 17.86
Liquidity United Citizens Bank of Southern Kentucky, Inc.
Columbia, KY 		Click to
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Hot Money Ratio 35.01%
Liquidity Ratio 10.44%
Profitability United Citizens Bank of Southern Kentucky, Inc.
Columbia, KY 		Click to
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5-Year Return on Average Assets 1.56%
Net Income 4.67M
Net Interest Spread 4.69%
Operating Profit to Average Assets 2.33%
Overhead Efficiency Ratio 50.84%
Return on Assets 1.75%
Return on Equity 15.69%