Side-by-side · Q2 2026 data
The Monticello Banking Company vs United Citizens Bank of Southern Kentucky
Metric by metric
| Measure | The Monticello Banking Company | United Citizens Bank of Southern Kentucky |
|---|---|---|
| TellerScore | 71 | 81 (stronger) |
| Capital cushion | 52 | 71 (stronger) |
| Loan quality | 96 (stronger) | 86 |
| Earnings | 59 | 98 (stronger) |
| Funding & liquidity | 62 (stronger) | 61 |
| Problem-loan coverage | 98 (stronger) | 94 |
| Peer percentile | 63rd | 80th |
| Total assets | $1.1B | $286.2M |
| Deposits / shares | $924.3M | $243.5M |
| Capital ratio | 10.17% | 12.07% (stronger) |
| Problem loans | 0.11% (stronger) | 0.43% |
| Net charge-offs | 0.01% (stronger) | 0.05% |
| Return on assets | 0.97% | 1.96% (stronger) |
| Loans ÷ deposits | 82.8% (stronger) | 99.5% |
| Uninsured deposits | 28.7% | 12.7% (stronger) |
| Offices | 21 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.6% | — |
United Citizens Bank of Southern Kentucky has the higher TellerScore (81 vs 71). On the 7 directional measures above (where higher or lower is clearly better), The Monticello Banking Company leads on 3 and United Citizens Bank of Southern Kentucky on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.