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 United Citizens Bank of Southern Kentucky
United Citizens Bank of Southern Kentucky
| RSSD ID 3306598 | CERTIFICATE 57867 | ABA NUMBER 83908433 |
| 700 Jamestown St |
Quarter Ended : |
2025-12-31 |
| Columbia, Kentucky, 42728 |
Updated : |
2026-01-12 |
| www.ucbsky.com |
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| Institution Profile |
| Year Opened : |
2004 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
All Other Under 1 Billion |
| Number of Offices : |
6 |
Number of Employees : |
55 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 269,780 |
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Total Interest Income | 17,665 |
| Total Liabilities | 237,688 |
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Total NonInterest Income | 1,680 |
| Total Bank Equity Capital | 32,092 |
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Total Interest Expense | 5,671 |
| Total Deposits | 231,730 |
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Total NonInterest Expense | 6,952 |
| Net Loans & Leases | 228,919 |
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Net Income | 4,667 |
| Loan Loss Allowance | 3,049 |
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Net Charge Offs | 275 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 35,299 |
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Total loans | 231,566 |
| Total assets for the leverage ratio | 270,151 |
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Loans secured by real estate: | 179,066 |
| Tier 1 Leverage Ratio | 12.15 |
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Commercial and industrial loans | 24,572 |
| Tier 1 Capital Ratio | 16.6 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 17.86 |
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Loans to individuals - Other | 16,406 |
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:· United Citizens Bank of Southern Kentucky
