United Citizens Bank of Southern Kentucky: how it compares with its peers
Against 65 KY banks with half to twice its assets, United Citizens Bank of Southern Kentucky's strongest measure in Q2 2026 is net interest margin (4.90% vs. a 3.98% peer median). Its weakest relative measure is assets per employee ($4.9M vs. $6.1M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.96% | 1.35% | Top third Ahead of 89% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.90% | 3.98% | Top third Ahead of 94% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 47.66% | 59.30% | Top third Ahead of 94% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.9M | $6.1M | Bottom third Ahead of 28% of peers |
| Loans to deposits Net loans and leases over total deposits. | 99.51% | 82.83% | Context |
What it means for lending operations
Its efficiency ratio of 47.66% is better than the 59.30% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Bank of Edmonson County Brownsville, KY · $283M
- The Farmers Bank Nicholasville, KY · $283M
- First Federal Savings Bank of Kentucky Frankfort, KY · $283M
- Hometown Bank of Corbin, Inc. Corbin, KY · $302M
- Citizens Guaranty Bank Richmond, KY · $304M
- The Farmers Bank of Milton Milton, KY · $305M
Questions about United Citizens Bank of Southern Kentucky
How big is United Citizens Bank of Southern Kentucky?
United Citizens Bank of Southern Kentucky, established in 2004, is headquartered in Columbia, KY. It reported $286M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is United Citizens Bank of Southern Kentucky's return on assets?
1.96% annualized in Q2 2026, against a 1.35% median for 65 KY banks with half to twice its assets, ahead of 89% of them.
What is United Citizens Bank of Southern Kentucky's efficiency ratio?
47.66% in Q2 2026: it spent about 48 cents in noninterest expense for each dollar of revenue. The peer median is 59.30%, and lower is better.
Is United Citizens Bank of Southern Kentucky growing its loans?
Net loans grew 7.0% over the year to Q2 2026, while deposits grew 5.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kentucky bank ranked.