United Citizens Bank of Southern Kentucky, Inc.

Columbia, KY

Rating Date

August 2026

Risk Based
Capital Ratio

Leverage
Ratio

Return On
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Total
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Capital

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Weiss Ratings	United Citizens Bank of Southern Kentucky, Inc. Columbia, KY	Click to Compare	Click to Compare	Click to Compare
Rating	D
Asset Quality Index	7.50
Capitalization Index	10.00
Liquidity Index	0.10
Profitability Index	10.00
Stability Index	3.70

Company Info	United Citizens Bank of Southern Kentucky, Inc. Columbia, KY	Click to Compare	Click to Compare	Click to Compare
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 Compare	Click to Compare	Click to Compare
1-Year Asset Growth	7.07%
5-Year Asset Growth	11.40%
5-Year Charge-Offs to Average Loans	0.05%
Charge-Offs to Average Loans	0.05%
Non-Performing Assets to Assets	0.33%
Non-Performing Loans to Capital	3.17%
Non-Performing Loans to Loans	0.39%

Balance Sheet	United Citizens Bank of Southern Kentucky, Inc. Columbia, KY	Click to Compare	Click to Compare	Click to Compare
Total Assets	286.21M
Total Deposits	243.47M

Capital and Reserves	United Citizens Bank of Southern Kentucky, Inc. Columbia, KY	Click to Compare	Click to Compare	Click to Compare
Capital	32.96M
Leverage Ratio	12.07
Loan Loss Reserves to Loans	1.31%
Risk-Based Capital Ratio	17.19

Liquidity	United Citizens Bank of Southern Kentucky, Inc. Columbia, KY	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	34.11%
Liquidity Ratio	11.40%

Profitability	United Citizens Bank of Southern Kentucky, Inc. Columbia, KY	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	1.57%
Net Income	2.72M
Net Interest Spread	4.87%
Operating Profit to Average Assets	2.62%
Overhead Efficiency Ratio	47.66%
Return on Assets	1.97%
Return on Equity	17.00%