Side-by-side · Q2 2026 data
Citizens Bank and Trust of Lebanon, Inc. vs United Citizens Bank of Southern Kentucky
Metric by metric
| Measure | Citizens Bank and Trust of Lebanon, Inc. | United Citizens Bank of Southern Kentucky |
|---|---|---|
| TellerScore | 75 | 81 (stronger) |
| Capital cushion | 63 | 71 (stronger) |
| Loan quality | 94 (stronger) | 86 |
| Earnings | 58 | 98 (stronger) |
| Funding & liquidity | 77 (stronger) | 61 |
| Problem-loan coverage | 98 (stronger) | 94 |
| Peer percentile | 61st | 80th |
| Total assets | $173.0M | $286.2M |
| Deposits / shares | $156.9M | $243.5M |
| Capital ratio | 11.33% | 12.07% (stronger) |
| Problem loans | 0.18% (stronger) | 0.43% |
| Net charge-offs | 0.25% | 0.05% (stronger) |
| Return on assets | 0.94% | 1.96% (stronger) |
| Loans ÷ deposits | 34.1% (stronger) | 99.5% |
| Uninsured deposits | 36.0% | 12.7% (stronger) |
| Offices | 1 | 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 75). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank and Trust of Lebanon, Inc. leads on 2 and United Citizens Bank of Southern Kentucky on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.