United Citizens Bank of Southern Kentucky

Overview / Commentary
700 Jamestown Street
Columbia, KY 42728

United Citizens Bank of Southern Kentucky is headquartered in Columbia and is the 80th largest bank in the state of Kentucky. It is also the 3,200th largest bank in the nation. It was established in 2004 and as of December of 2021, it had grown to 52 employees at 5 locations. United Citizens Bank of Southern Kentucky has an A+ health rating.

Reviews (1)

United Citizens Bank

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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.


Health Grade Components

FDIC Certificate #57867
Year Established2004
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD2.11%
Return on Equity - YTD16.18%
Annual Interest Income$9.6MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$188.1MM$171.9MM
LoansQ4 2021vs Q4 2020$157.3MM$146.3MM
DepositsQ4 2021vs Q4 2020$162.3MM$148.0MM
Equity CapitalQ4 2021vs Q4 2020$25.3MM$23.1MM
Loan Loss AllowanceQ4 2021vs Q4 2020$2.3MM$2.1MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$281.00K$252.00K
Real Estate OwnedQ4 2021vs Q4 2020$0$0
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* 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

0.25%--Statement Savings

United Citizens Bank of Southern Kentucky Money Market Rates

0.30%*$100k*-Elite Money Maket Account
OTHER TIERS: 0.05% $1k - $10k | 0.10% $10k - $50k | 0.20% $50k - $100k
0.25%*$100k*-Money Market Account
OTHER TIERS: 0.05% $1k - $10k | 0.10% $10k - $25k | 0.15% $25k - $75k | 0.20% $75k - $100k

United Citizens Bank of Southern Kentucky Checking Account Rates

0.05%$1k-Member Account
0.05%$1k-Member Classic Account
0.05%$1k-NOW Account

United Citizens Bank of Southern Kentucky CD Rates

1.00%$500-60 Month CD
0.85%$500-48 Month CD
0.75%$500-36 Month CD
0.65%$500-30 Month CD
0.50%$500-24 Month CD
0.40%$500-18 Month CD
0.35%$500-12 Month CD
0.25%$500-6 Month CD
0.20%$500-3 Month CD

United Citizens Bank of Southern Kentucky IRA Rates

1.00%$100-60 Month Fixed IRA
0.85%$100-48 Month Fixed IRA
0.75%$100-36 Month Fixed IRA
0.65%$100-30 Month Fixed IRA
0.50%$100-24 Month Fixed IRA
0.40%$100-18 Month Fixed IRA
0.40%$100-18 Month Variable IRA
0.35%$100-12 Month Fixed IRA
0.25%$100-6 Month Fixed IRA
0.20%$100-3 Month Fixed IRA

United Citizens Bank of Southern Kentucky Locations
Columbia Branch1582 Campbellsville RoadColumbia, KY 42728
Russell Springs Branch2261 South Highway 127Russell Springs, KY 42642
Campbellsville By-Pass Branch294 Campbellsville BypassCampbellsville, KY 42718
United Citizens Bank Of Southern Kentucky700 Jamestown StreetColumbia, KY 42728
Dohoney Trace202 Dohoney TraceColumbia, KY 42728
Greensburg Branch279 Industrial Park Rd.Greensburg, KY 42743

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