D
United Citizens Bank of Southern Kentucky, Inc.
Rating Date
October 2025
Risk Based
Capital Ratio
16.40
Leverage
Ratio
11.49
Return On
Assets
1.79%
Total
Assets
267.31M
Capital
29.57M
Total
Deposits
231.99M
Net
Income
2.36M
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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 9.10
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 7.14%
5-Year Asset Growth 9.29%
5-Year Charge-Offs to Average Loans 0.04%
Charge-Offs to Average Loans 0.06%
Non-Performing Assets to Assets 0.18%
Non-Performing Loans to Capital 3.34%
Non-Performing Loans to Loans 0.21%
Balance Sheet United Citizens Bank of Southern Kentucky, Inc.
Columbia, KY 		Click to
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Total Assets 267.31M
Total Deposits 231.99M
Capital and Reserves United Citizens Bank of Southern Kentucky, Inc.
Columbia, KY 		Click to
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Capital 29.57M
Leverage Ratio 11.49
Loan Loss Reserves to Loans 1.28%
Risk-Based Capital Ratio 16.40
Liquidity United Citizens Bank of Southern Kentucky, Inc.
Columbia, KY 		Click to
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Hot Money Ratio 33.85%
Liquidity Ratio 11.06%
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 2.36M
Net Interest Spread 4.57%
Operating Profit to Average Assets 2.38%
Overhead Efficiency Ratio 49.64%
Return on Assets 1.79%
Return on Equity 16.51%