D
United Citizens Bank of Southern Kentucky, Inc.
Rating Date
June 2025
Risk Based
Capital Ratio
16.07
Leverage
Ratio
11.23
Return On
Assets
1.68%
Total
Assets
267.45M
Capital
28.17M
Total
Deposits
231.24M
Net
Income
1.09M
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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 8.10
Capitalization Index 10.00
Liquidity Index 0.30
Profitability Index 8.30
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 11.59%
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 0.19%
Non-Performing Loans to Capital 1.21%
Non-Performing Loans to Loans 0.22%
Balance Sheet United Citizens Bank of Southern Kentucky, Inc.
Columbia, KY 		Click to
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Total Assets 267.45M
Total Deposits 231.24M
Capital and Reserves United Citizens Bank of Southern Kentucky, Inc.
Columbia, KY 		Click to
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Capital 28.17M
Leverage Ratio 11.23
Loan Loss Reserves to Loans 1.28%
Risk-Based Capital Ratio 16.07
Liquidity United Citizens Bank of Southern Kentucky, Inc.
Columbia, KY 		Click to
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Hot Money Ratio 33.51%
Liquidity Ratio 14.21%
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 1.09M
Net Interest Spread 4.50%
Operating Profit to Average Assets 2.23%
Overhead Efficiency Ratio 52.33%
Return on Assets 1.68%
Return on Equity 15.44%