Side-by-side · Q2 2026 data
Citizens Bank & Trust Company vs United Citizens Bank of Southern Kentucky
Metric by metric
| Measure | Citizens Bank & Trust Company | United Citizens Bank of Southern Kentucky |
|---|---|---|
| TellerScore | 79 | 81 (stronger) |
| Capital cushion | 81 (stronger) | 71 |
| Loan quality | 81 | 86 (stronger) |
| Earnings | 69 | 98 (stronger) |
| Funding & liquidity | 75 (stronger) | 61 |
| Problem-loan coverage | 95 (stronger) | 94 |
| Peer percentile | 75th | 80th |
| Total assets | $383.4M | $286.2M |
| Deposits / shares | $333.9M | $243.5M |
| Capital ratio | 13.12% (stronger) | 12.07% |
| Problem loans | 0.57% | 0.43% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.05% |
| Return on assets | 1.24% | 1.96% (stronger) |
| Loans ÷ deposits | 60.6% (stronger) | 99.5% |
| Uninsured deposits | 37.0% | 12.7% (stronger) |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
United Citizens Bank of Southern Kentucky has the higher TellerScore (81 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank & Trust Company 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.