Side-by-side · Q2 2026 data
The Farmers National Bank of Lebanon vs United Citizens Bank of Southern Kentucky
Metric by metric
| Measure | The Farmers National Bank of Lebanon | United Citizens Bank of Southern Kentucky |
|---|---|---|
| TellerScore | 77 | 81 (stronger) |
| Capital cushion | 57 | 71 (stronger) |
| Loan quality | 100 (stronger) | 86 |
| Earnings | 64 | 98 (stronger) |
| Funding & liquidity | 81 (stronger) | 61 |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 68th | 80th |
| Total assets | $163.0M | $286.2M |
| Deposits / shares | $145.5M | $243.5M |
| Capital ratio | 10.72% | 12.07% (stronger) |
| Problem loans | 0.00% (stronger) | 0.43% |
| Net charge-offs | -0.03% (stronger) | 0.05% |
| Return on assets | 1.09% | 1.96% (stronger) |
| Loans ÷ deposits | 78.8% (stronger) | 99.5% |
| Uninsured deposits | 11.8% (stronger) | 12.7% |
| Offices | 2 | 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 77). On the 7 directional measures above (where higher or lower is clearly better), The Farmers National Bank of Lebanon leads on 4 and United Citizens Bank of Southern Kentucky on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.