United Citizens Bank of Southern Kentucky

Overview / Commentary

www.ucbsky.com

700 Jamestown Street
Columbia, KY 42728

United Citizens Bank of Southern Kentucky is headquartered in Columbia and is the 84^th largest bank in the state of Kentucky. It is also the 3,210^th largest bank in the nation. It was established in 2004 and as of June of 2019, it had grown to 44 employees at 4 locations. United Citizens Bank of Southern Kentucky has an A health rating.

Reviews (1)

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United Citizens Bank

Posted by: Bulletinfa | May 2, 2018

UCB is a bank that started in the small town that I like in. Some local business people got together and decided to start a bank. In the beginning there was a problem because some of the inverters had too much interest in the bank that conflicted in their other endeavors, so they sold some of their shares. My husband and I started an account with the bank. We really liked the online banking. The thing that made us close our account was the fees. We felt the fees were unreasonable, so we chose to change to another local bank. Now, UCB has "got the kinks worked out" and many of my friends and family members bank there. We would consider going back in the future.

Comment

Health

Data as of Q2 2019

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	57867
Year Established	2004
Employees	44
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.59%
Return on Equity - YTD	13.23%
Annual Interest Income	$4.1MM

Assets and Liabilities
Assets	Q2 2019vs Q2 2018	$165.3MM$152.4MM
Loans	Q2 2019vs Q2 2018	$139.2MM$126.4MM
Deposits	Q2 2019vs Q2 2018	$140.9MM$131.6MM
Equity Capital	Q2 2019vs Q2 2018	$19.9MM$18.1MM
Loan Loss Allowance	Q2 2019vs Q2 2018	$1.9MM$1.9MM
Unbacked Noncurrent Loans	Q2 2019vs Q2 2018	$615.00K$1.2MM
Real Estate Owned	Q2 2019vs Q2 2018	$582.00K$779.00K

Rates

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Always verify rates and promotions with the bank or credit union. We are not United Citizens Bank of Southern Kentucky; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

United Citizens Bank of Southern Kentucky Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.35%	-	-	Statement Savings

United Citizens Bank of Southern Kentucky Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.45%^*	$100k^*	-	Elite Money Maket Account
OTHER TIERS: 0.10% → $1k - $10k \| 0.15% → $10k - $50k \| 0.30% → $50k - $100k
0.35%^*	$100k^*	-	Money Market Account
OTHER TIERS: 0.10% → $1k - $2.5k \| 0.15% → $2.5k - $25k \| 0.20% → $25k - $50k \| 0.25% → $50k - $75k \| 0.30% → $75k - $100k

United Citizens Bank of Southern Kentucky Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%	$1k	-	Member Account
0.10%	$1k	-	Member Classic Account
0.10%^*	$2.5k^*	-	NOW Account
OTHER TIERS: 0.05% → $1k - $2.5k

United Citizens Bank of Southern Kentucky CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.51%	$500	-	60 Month CD
1.25%	$500	-	48 Month CD
1.15%	$500	-	36 Month CD
1.05%	$500	-	30 Month CD
1.00%	$500	-	24 Month CD
0.55%	$500	-	18 Month CD
0.50%	$500	-	12 Month CD
0.25%	$500	-	6 Month CD
0.20%	$500	-	3 Month CD

United Citizens Bank of Southern Kentucky IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.51%	$100	-	60 Month Fixed IRA
1.25%	$100	-	48 Month Fixed IRA
1.15%	$100	-	36 Month Fixed IRA
1.05%	$100	-	30 Month Fixed IRA
1.00%	$100	-	24 Month Fixed IRA
0.55%	$100	-	18 Month Fixed IRA
0.50%	$100	-	12 Month Fixed IRA
0.50%	$100	-	18 Month Variable IRA
0.25%	$100	-	6 Month Fixed IRA
0.20%	$100	-	3 Month Fixed IRA

Locations

United Citizens Bank of Southern Kentucky Locations
Columbia Branch	1582 Campbellsville Road	Columbia, KY 42728
Russell Springs Branch	2261 South Highway 127	Russell Springs, KY 42642
Campbellsville By-Pass Branch	294 Campbellsville Bypass	Campbellsville, KY 42718
United Citizens Bank Of Southern Kentucky	700 Jamestown Street	Columbia, KY 42728
Dohoney Trace	202 Dohoney Trace	Columbia, KY 42728

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