Side-by-side · Q2 2026 data
Edmonton State Bank vs United Citizens Bank of Southern Kentucky
Metric by metric
| Measure | Edmonton State Bank | United Citizens Bank of Southern Kentucky |
|---|---|---|
| TellerScore | 82 (stronger) | 81 |
| Capital cushion | 65 | 71 (stronger) |
| Loan quality | 89 (stronger) | 86 |
| Earnings | 100 (stronger) | 98 |
| Funding & liquidity | 68 (stronger) | 61 |
| Problem-loan coverage | 96 (stronger) | 94 |
| Peer percentile | 93rd | 80th |
| Total assets | $1.2B | $286.2M |
| Deposits / shares | $1.0B | $243.5M |
| Capital ratio | 11.47% | 12.07% (stronger) |
| Problem loans | 0.32% (stronger) | 0.43% |
| Net charge-offs | 0.01% (stronger) | 0.05% |
| Return on assets | 2.44% (stronger) | 1.96% |
| Loans ÷ deposits | 91.8% (stronger) | 99.5% |
| Uninsured deposits | 15.6% | 12.7% (stronger) |
| Offices | 18 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.9% | — |
Edmonton State Bank has the higher TellerScore (82 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Edmonton State Bank 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.