Total Assets
$270M
Total balance-sheet footings
FDIC Cert #57867 · Columbia, Kentucky · Est. 2004
United Citizens Bank of Southern Kentucky - FDIC Bank Health Profile
A community-scale look at United Citizens Bank of Southern Kentucky's own numbers, pulled straight from its quarterly FDIC Call Report.
- $270M
- Total assets
- A
- Health grade · Excellent
- 1.76%
- Return on assets
- 16.6%
- Tier 1 capital
Data updated July 2026
The verdict
United Citizens Bank of Southern Kentucky earns a PlainBankData health grade of A (97/100), with well-capitalized at 16.60% Tier 1, profitable at 1.76% ROA, efficient (51% cost ratio).
- #2,648
- largest of 4,313 FDIC banks by assets
- 39th
- percentile by asset size, nationally
- 16.60%
- Tier 1 ratio - above the 10% well-capitalized line
- 84th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How United Citizens Bank of Southern Kentucky's 97/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
United Citizens Bank of Southern Kentucky's composite health score
Tier 1 Capital Ratio (16.60%) 40/40
Return on Assets (ROA) (1.76%) 25/25
Texas Ratio (3.13%) 20/20
Efficiency Ratio (50.84%) 12/15
97 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$232M
Customer-funded liabilities
Net Loans
$229M
Outstanding loan book
Net Income
$5M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where United Citizens Bank of Southern Kentucky ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. United Citizens Bank of Southern Kentucky's score of 97/100 falls in the highlighted band.
United Citizens Bank of Southern Kentucky's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). United Citizens Bank of Southern Kentucky's $270M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
16.60% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
16.60%
Texas Ratio
3.13%
Equity Capital
$32M
Profitability metrics
Return on Assets (ROA)
84th percentile nationally
1.76%
Return on Equity (ROE)
15.63%
Efficiency Ratio
50.84%
What the numbers say about United Citizens Bank of Southern Kentucky
United Citizens Bank of Southern Kentucky is an FDIC-insured institution (Certificate #57867) headquartered in Columbia, Kentucky, established in 2004. It holds $270M in total assets - 2,648th of 4,313 FDIC-insured banks, $232M in customer deposits, and $229M in net loans. On safety, its Tier 1 capital ratio of 16.60% is above the 10% well-capitalized threshold, and its Texas Ratio of 3.13% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (97/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Kentucky, United Citizens Bank of Southern Kentucky ranks 65th of 120 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$18M
Interest Income
$2M
Non-Interest Income
$7M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. United Citizens Bank of Southern Kentucky reports a Texas Ratio of 3.13% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.13% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Kentucky by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) United Citizens Bank of Southern Kentucky (FDIC Cert #57867) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Kentucky
All Kentucky banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Stock Yards Bank & Trust CompanyLouisville | $9.5B | A | 1.57% |
| Republic Bank & Trust CompanyLouisville | $7.0B | A | 1.89% |
| Community Trust Bank, Inc.Pikeville | $6.6B | A | 1.50% |
| Central Bank & Trust Co.Lexington | $3.9B | B | 1.16% |
| Independence Bank of KentuckyOwensboro | $3.8B | B | 0.80% |
| Traditional Bank, Inc.Mount Sterling | $2.5B | B | 0.80% |
| Heritage Bank, Inc.Burlington | $2.1B | B | 1.08% |
| South Central Bank, Inc.Glasgow | $2.1B | A | 1.25% |
Frequently asked questions
What is United Citizens Bank of Southern Kentucky's health grade?▼
United Citizens Bank of Southern Kentucky receives a health grade of A (97/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is United Citizens Bank of Southern Kentucky?▼
United Citizens Bank of Southern Kentucky holds $270M in total assets and $232M in deposits, ranking 2,648th of 4,313 FDIC-insured banks by asset size. It is headquartered in Columbia, Kentucky.
Is my money safe at United Citizens Bank of Southern Kentucky?▼
Yes, deposits at United Citizens Bank of Southern Kentucky (Certificate #57867) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is United Citizens Bank of Southern Kentucky's Tier 1 Capital Ratio?▼
United Citizens Bank of Southern Kentucky has a Tier 1 Capital Ratio of 16.60%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for United Citizens Bank of Southern Kentucky?▼
United Citizens Bank of Southern Kentucky has a Texas Ratio of 3.13%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is United Citizens Bank of Southern Kentucky?▼
United Citizens Bank of Southern Kentucky has an Efficiency Ratio of 50.84%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read United Citizens Bank of Southern Kentucky's profile as a depositor or analyst.
- United Citizens Bank of Southern Kentucky's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare United Citizens Bank of Southern Kentucky against other Kentucky banks before moving funds. Kentucky banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.