D
United Citizens Bank of Southern Kentucky, Inc.
Rating Date
October 2025
Risk Based
Capital Ratio
17.07
Leverage
Ratio
11.86
Return On
Assets
1.83%
Total
Assets
268.95M
Capital
30.97M
Total
Deposits
230.87M
Net
Income
3.63M
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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 9.50
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 5.43%
5-Year Asset Growth 9.29%
5-Year Charge-Offs to Average Loans 0.04%
Charge-Offs to Average Loans 0.09%
Non-Performing Assets to Assets 0.39%
Non-Performing Loans to Capital 3.47%
Non-Performing Loans to Loans 0.45%
Balance Sheet United Citizens Bank of Southern Kentucky, Inc.
Columbia, KY 		Click to
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Total Assets 268.95M
Total Deposits 230.87M
Capital and Reserves United Citizens Bank of Southern Kentucky, Inc.
Columbia, KY 		Click to
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Capital 30.97M
Leverage Ratio 11.86
Loan Loss Reserves to Loans 1.28%
Risk-Based Capital Ratio 17.07
Liquidity United Citizens Bank of Southern Kentucky, Inc.
Columbia, KY 		Click to
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Hot Money Ratio 34.94%
Liquidity Ratio 9.68%
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 3.63M
Net Interest Spread 4.64%
Operating Profit to Average Assets 2.43%
Overhead Efficiency Ratio 49.28%
Return on Assets 1.83%
Return on Equity 16.58%