Side-by-side · Q2 2026 data
Citizens Guaranty Bank vs United Citizens Bank of Southern Kentucky
Metric by metric
| Measure | Citizens Guaranty Bank | United Citizens Bank of Southern Kentucky |
|---|---|---|
| TellerScore | 48 | 81 (stronger) |
| Capital cushion | 36 | 71 (stronger) |
| Loan quality | 30 | 86 (stronger) |
| Earnings | 80 | 98 (stronger) |
| Funding & liquidity | 53 | 61 (stronger) |
| Problem-loan coverage | 53 | 94 (stronger) |
| Peer percentile | 6th | 80th |
| Total assets | $303.6M | $286.2M |
| Deposits / shares | $260.7M | $243.5M |
| Capital ratio | 8.65% | 12.07% (stronger) |
| Problem loans | 2.11% | 0.43% (stronger) |
| Net charge-offs | 0.32% | 0.05% (stronger) |
| Return on assets | 1.51% | 1.96% (stronger) |
| Loans ÷ deposits | 107.0% | 99.5% (stronger) |
| Uninsured deposits | 14.1% | 12.7% (stronger) |
| Offices | 6 | 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 48). On the 7 directional measures above (where higher or lower is clearly better), Citizens Guaranty Bank leads on 0 and United Citizens Bank of Southern Kentucky on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.