Side-by-side · Q2 2026 data
Hart County Bank and Trust Company vs United Citizens Bank of Southern Kentucky
Bank
Hart County Bank and Trust Company
Munfordville, Kentucky · Under $100 million in assets
Metric by metric
| Measure | Hart County Bank and Trust Company | United Citizens Bank of Southern Kentucky |
|---|---|---|
| TellerScore | 93 (stronger) | 81 |
| Capital cushion | 100 (stronger) | 71 |
| Loan quality | 100 (stronger) | 86 |
| Earnings | 100 (stronger) | 98 |
| Funding & liquidity | 50 | 61 (stronger) |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 94th | 80th |
| Total assets | $24.1M | $286.2M |
| Deposits / shares | $16.1M | $243.5M |
| Capital ratio | 34.31% (stronger) | 12.07% |
| Problem loans | 0.00% (stronger) | 0.43% |
| Net charge-offs | 0.00% (stronger) | 0.05% |
| Return on assets | 2.51% (stronger) | 1.96% |
| Loans ÷ deposits | 112.7% | 99.5% (stronger) |
| Uninsured deposits | 10.3% (stronger) | 12.7% |
| Offices | 1 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Hart County Bank and Trust Company has the higher TellerScore (93 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Hart County Bank and Trust Company leads on 6 and United Citizens Bank of Southern Kentucky on 1. 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.