Side-by-side · Q2 2026 data
Bank of Edmonson County vs United Citizens Bank of Southern Kentucky
Metric by metric
| Measure | Bank of Edmonson County | United Citizens Bank of Southern Kentucky |
|---|---|---|
| TellerScore | 64 | 81 (stronger) |
| Capital cushion | 56 | 71 (stronger) |
| Loan quality | 45 | 86 (stronger) |
| Earnings | 84 | 98 (stronger) |
| Funding & liquidity | 77 (stronger) | 61 |
| Problem-loan coverage | 76 | 94 (stronger) |
| Peer percentile | 26th | 80th |
| Total assets | $283.4M | $286.2M |
| Deposits / shares | $242.7M | $243.5M |
| Capital ratio | 10.57% | 12.07% (stronger) |
| Problem loans | 1.66% | 0.43% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.05% |
| Return on assets | 1.61% | 1.96% (stronger) |
| Loans ÷ deposits | 83.5% (stronger) | 99.5% |
| Uninsured deposits | 11.7% (stronger) | 12.7% |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.7% | — |
United Citizens Bank of Southern Kentucky has the higher TellerScore (81 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Bank of Edmonson County leads on 3 and United Citizens Bank of Southern Kentucky on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.