Side-by-side · Q2 2026 data
Citizens Bank of Kentucky, Inc. vs First United Bank and Trust Company
Metric by metric
| Measure | Citizens Bank of Kentucky, Inc. | First United Bank and Trust Company |
|---|---|---|
| TellerScore | 79 (stronger) | 74 |
| Capital cushion | 85 (stronger) | 45 |
| Loan quality | 72 | 92 (stronger) |
| Earnings | 61 | 78 (stronger) |
| Funding & liquidity | 95 (stronger) | 84 |
| Problem-loan coverage | 94 | 95 (stronger) |
| Peer percentile | 75th | 57th |
| Total assets | $669.9M | $591.4M |
| Deposits / shares | $571.0M | $525.0M |
| Capital ratio | 13.51% (stronger) | 9.53% |
| Problem loans | 0.85% | 0.25% (stronger) |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 1.04% | 1.45% (stronger) |
| Loans ÷ deposits | 59.8% (stronger) | 75.5% |
| Uninsured deposits | 20.0% | 15.9% (stronger) |
| Offices | 12 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.3% | 4.8% |
Citizens Bank of Kentucky, Inc. has the higher TellerScore (79 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank of Kentucky, Inc. leads on 3 and First United Bank and Trust Company on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.