Side-by-side · Q2 2026 data
Citizens Bank of Cumberland County, Inc. vs United Citizens Bank of Southern Kentucky
Bank
Citizens Bank of Cumberland County, Inc.
Burkesville, Kentucky · Under $100 million in assets
Metric by metric
| Measure | Citizens Bank of Cumberland County, Inc. | United Citizens Bank of Southern Kentucky |
|---|---|---|
| TellerScore | 84 (stronger) | 81 |
| Capital cushion | 73 (stronger) | 71 |
| Loan quality | 83 | 86 (stronger) |
| Earnings | 100 (stronger) | 98 |
| Funding & liquidity | 77 (stronger) | 61 |
| Problem-loan coverage | 94 | 94 |
| Peer percentile | 76th | 80th |
| Total assets | $94.9M | $286.2M |
| Deposits / shares | $80.5M | $243.5M |
| Capital ratio | 12.25% (stronger) | 12.07% |
| Problem loans | 0.51% | 0.43% (stronger) |
| Net charge-offs | 0.25% | 0.05% (stronger) |
| Return on assets | 2.06% (stronger) | 1.96% |
| Loans ÷ deposits | 83.6% (stronger) | 99.5% |
| Uninsured deposits | 12.0% (stronger) | 12.7% |
| Offices | 1 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Bank of Cumberland County, Inc. has the higher TellerScore (84 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank of Cumberland County, Inc. leads on 5 and United Citizens Bank of Southern Kentucky on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.