Side-by-side · Q2 2026 data
First Federal Savings Bank of Kentucky vs United Citizens Bank of Southern Kentucky
Metric by metric
| Measure | First Federal Savings Bank of Kentucky | United Citizens Bank of Southern Kentucky |
|---|---|---|
| TellerScore | 64 | 81 (stronger) |
| Capital cushion | 55 | 71 (stronger) |
| Loan quality | 85 | 86 (stronger) |
| Earnings | 48 | 98 (stronger) |
| Funding & liquidity | 50 | 61 (stronger) |
| Problem-loan coverage | 93 | 94 (stronger) |
| Peer percentile | 26th | 80th |
| Total assets | $282.6M | $286.2M |
| Deposits / shares | $207.8M | $243.5M |
| Capital ratio | 10.48% | 12.07% (stronger) |
| Problem loans | 0.44% | 0.43% (stronger) |
| Net charge-offs | 0.12% | 0.05% (stronger) |
| Return on assets | 0.70% | 1.96% (stronger) |
| Loans ÷ deposits | 119.1% | 99.5% (stronger) |
| Uninsured deposits | 7.8% (stronger) | 12.7% |
| 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 64). On the 7 directional measures above (where higher or lower is clearly better), First Federal Savings Bank of Kentucky leads on 1 and United Citizens Bank of Southern Kentucky on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.