Headquartered in Columbia, Kentucky, United Citizens Bank of Southern Kentucky is a state-chartered bank with $286.2M in total assets and $243.5M in deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 2004.
United Citizens Bank of Southern Kentucky has a TellerScore of 81 out of 100 (strong) based on Q2 2026 data — higher than 80% of its 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 22nd. Earnings contributes the most (98/100, 1.96%); funding & liquidity contributes the least (61/100, 100% loans-to-deposits, 13% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 3 points (78 → 81), mostly because the capital cushion component improved by 6 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 77 |
| Q3 2024 | 78 |
| Q4 2024 | 77 |
| Q1 2025 | 79 |
| Q2 2025 | 78 |
| Q3 2025 | 79 |
| Q4 2025 | 79 |
| Q1 2026 | 82 |
| Q2 2026 | 81 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.40% |
| Q3 2024 | 11.52% |
| Q4 2024 | 11.67% |
| Q1 2025 | 11.23% |
| Q2 2025 | 11.49% |
| Q3 2025 | 11.86% |
| Q4 2025 | 12.15% |
| Q1 2026 | 11.88% |
| Q2 2026 | 12.07% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.25% |
| Q3 2024 | 0.24% |
| Q4 2024 | 0.33% |
| Q1 2025 | 0.17% |
| Q2 2025 | 0.46% |
| Q3 2025 | 0.52% |
| Q4 2025 | 0.47% |
| Q1 2026 | 0.24% |
| Q2 2026 | 0.43% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.47% |
| Q3 2024 | 1.57% |
| Q4 2024 | 1.55% |
| Q1 2025 | 1.68% |
| Q2 2025 | 1.79% |
| Q3 2025 | 1.83% |
| Q4 2025 | 1.76% |
| Q1 2026 | 1.92% |
| Q2 2026 | 1.96% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 81 | $286.2M | 12.07% | 0.43% | 1.96% | 99.5% |
| Q1 2026 | 82 | $277.6M | 11.88% | 0.24% | 1.92% | 96.2% |
| Q4 2025 | 79 | $269.8M | 12.15% | 0.47% | 1.76% | 98.8% |
| Q3 2025 | 79 | $269.0M | 11.86% | 0.52% | 1.83% | 99.3% |
| Q2 2025 | 78 | $267.3M | 11.49% | 0.46% | 1.79% | 97.7% |
| Q1 2025 | 79 | $267.5M | 11.23% | 0.17% | 1.68% | 94.8% |
| Q4 2024 | 77 | $254.4M | 11.67% | 0.33% | 1.55% | 101.0% |
| Q3 2024 | 78 | $255.1M | 11.52% | 0.24% | 1.57% | 97.9% |
| Q2 2024 | 77 | $249.5M | 11.40% | 0.25% | 1.47% | 95.2% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Kentucky
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of Edmonson CountyBank Brownsville, KY | 64 out of 100, Moderate | $283.4M | 10.6% | 1.66% | vs |
| The Farmers BankBank Nicholasville, KY | 78 out of 100, Strong | $282.7M | 11.0% | 0.00% | vs |
| First Federal Savings Bank of KentuckyBank Frankfort, KY | 64 out of 100, Moderate | $282.6M | 10.5% | 0.44% | vs |
| Hometown Bank of Corbin, Inc.Bank Corbin, KY | 63 out of 100, Moderate | $302.3M | 8.8% | 0.52% | vs |
| Citizens Guaranty BankBank Richmond, KY | 48 out of 100, Below average | $303.6M | 8.6% | 2.11% | vs |
| The Farmers Bank of MiltonBank Milton, KY | 64 out of 100, Moderate | $305.1M | 12.6% | 1.26% | vs |
Deposit insurance
Is my money safe at United Citizens Bank of Southern Kentucky?
Yes. United Citizens Bank of Southern Kentucky is an FDIC-insured institution (FDIC certificate #57867). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 12.7% of deposits ($30.8M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.07%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.19% (benchmark: 10%).
6 locations
Branches
United Citizens Bank of Southern Kentucky lists 6 offices in 4 cities. Most locations:
- Columbia, KY (3)
- Campbellsville, KY (1)
- Greensburg, KY (1)
- Russell Springs, KY (1)
Identity & history
Profile
- Legal name
- United Citizens Bank of Southern Kentucky
- Type
- State-chartered bank
- FDIC certificate #
- 57867
- RSSD ID
- 3306598
- Primary regulator
- FDIC
- Holding company
- United Citizens Bcorp Inc
- Established
- December 6, 2004
- Headquarters
- 700 Jamestown St, Columbia, KY 42728
- Website
- www.ucbsky.com
- Employees
- 58
Quick answers
United Citizens Bank of Southern Kentucky: common questions
Is United Citizens Bank of Southern Kentucky FDIC insured?
Yes. United Citizens Bank of Southern Kentucky is an FDIC-insured institution (FDIC certificate #57867). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is United Citizens Bank of Southern Kentucky's TellerScore?
81 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has United Citizens Bank of Southern Kentucky ever failed?
There is no failure record for FDIC certificate #57867 in the FDIC failed bank list.
How many branches does United Citizens Bank of Southern Kentucky have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Columbia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of JamestownBank Jamestown, KY | 84 out of 100, Strong | $263.8M | 13.0% | 0.02% | vs |
| Edmonton State BankBank Glasgow, KY | 82 out of 100, Strong | $1.2B | 11.5% | 0.32% | vs |
| Abound Federal Credit UnionCredit union Radcliff, KY | 81 out of 100, Strong | $2.8B | 15.8% | 0.81% | vs |
| Community Trust Bank, Inc.Bank Pikeville, KY | 80 out of 100, Strong | $6.9B | 13.4% | 0.58% | vs |
| Citizens Bank & Trust CompanyBank Campbellsville, KY | 79 out of 100, Strong | $383.4M | 13.1% | 0.57% | vs |
| Taylor County BankBank Campbellsville, KY | 77 out of 100, Strong | $243.8M | 12.9% | 0.97% | vs |