Side-by-side · Q2 2026 data
The Farmers Bank vs United Citizens Bank of Southern Kentucky
Metric by metric
| Measure | The Farmers Bank | United Citizens Bank of Southern Kentucky |
|---|---|---|
| TellerScore | 78 | 81 (stronger) |
| Capital cushion | 60 | 71 (stronger) |
| Loan quality | 100 (stronger) | 86 |
| Earnings | 61 | 98 (stronger) |
| Funding & liquidity | 83 (stronger) | 61 |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 72nd | 80th |
| Total assets | $282.7M | $286.2M |
| Deposits / shares | $250.7M | $243.5M |
| Capital ratio | 11.00% | 12.07% (stronger) |
| Problem loans | 0.00% (stronger) | 0.43% |
| Net charge-offs | 0.07% | 0.05% (stronger) |
| Return on assets | 1.03% | 1.96% (stronger) |
| Loans ÷ deposits | 71.6% (stronger) | 99.5% |
| Uninsured deposits | 19.9% | 12.7% (stronger) |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.7% | — |
United Citizens Bank of Southern Kentucky has the higher TellerScore (81 vs 78). On the 7 directional measures above (where higher or lower is clearly better), The Farmers 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.