Side-by-side · Q2 2026 data
Community Trust Bank, Inc. vs United Citizens Bank of Southern Kentucky
Metric by metric
| Measure | Community Trust Bank, Inc. | United Citizens Bank of Southern Kentucky |
|---|---|---|
| TellerScore | 80 | 81 (stronger) |
| Capital cushion | 84 (stronger) | 71 |
| Loan quality | 81 | 86 (stronger) |
| Earnings | 86 | 98 (stronger) |
| Funding & liquidity | 55 | 61 (stronger) |
| Problem-loan coverage | 93 | 94 (stronger) |
| Peer percentile | 90th | 80th |
| Total assets | $6.9B | $286.2M |
| Deposits / shares | $5.7B | $243.5M |
| Capital ratio | 13.43% (stronger) | 12.07% |
| Problem loans | 0.58% | 0.43% (stronger) |
| Net charge-offs | 0.09% | 0.05% (stronger) |
| Return on assets | 1.64% | 1.96% (stronger) |
| Loans ÷ deposits | 89.3% (stronger) | 99.5% |
| Uninsured deposits | 29.6% | 12.7% (stronger) |
| Offices | 78 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.9% | — |
United Citizens Bank of Southern Kentucky has the higher TellerScore (81 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Community Trust Bank, Inc. leads on 2 and United Citizens Bank of Southern Kentucky on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Columbia, KY
- Campbellsville, KY
- Greensburg, KY