Side-by-side · Q2 2026 data
Peoples Bank vs United Citizens Bank of Southern Kentucky
Metric by metric
| Measure | Peoples Bank | United Citizens Bank of Southern Kentucky |
|---|---|---|
| TellerScore | 43 | 81 (stronger) |
| Capital cushion | 42 | 71 (stronger) |
| Loan quality | 15 | 86 (stronger) |
| Earnings | 62 | 98 (stronger) |
| Funding & liquidity | 63 (stronger) | 61 |
| Problem-loan coverage | 50 | 94 (stronger) |
| Peer percentile | 3rd | 80th |
| Total assets | $193.7M | $286.2M |
| Deposits / shares | $173.3M | $243.5M |
| Capital ratio | 9.24% | 12.07% (stronger) |
| Problem loans | 2.55% | 0.43% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.05% |
| Return on assets | 1.06% | 1.96% (stronger) |
| Loans ÷ deposits | 93.3% (stronger) | 99.5% |
| Uninsured deposits | 18.3% | 12.7% (stronger) |
| Offices | 4 | 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 43). On the 7 directional measures above (where higher or lower is clearly better), Peoples Bank leads on 2 and United Citizens Bank of Southern Kentucky on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.