United Citizens Bank of Southern Kentucky
United Citizens Bank of Southern Kentucky is headquartered in Columbia and is the 83rd largest bank in the state of Kentucky. It is also the 3,116th largest bank in the nation. It was established in 2004 and as of December of 2019, it had grown to 47 employees at 5 locations. United Citizens Bank of Southern Kentucky has an A+ health rating.
United Citizens Bank
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.
Data as of Q4 2019
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 57867 |
| Year Established | 2004 |
| Employees | 47 |
| Primary Regulator | FDIC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.46% |
| Return on Equity - YTD | 12.09% |
| Annual Interest Income | $8.5MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2019vs Q4 2018 | $173.7MM$159.8MM |
| Loans | Q4 2019vs Q4 2018 | $144.0MM$135.5MM |
| Deposits | Q4 2019vs Q4 2018 | $148.0MM$135.4MM |
| Equity Capital | Q4 2019vs Q4 2018 | $21.1MM$19.4MM |
| Loan Loss Allowance | Q4 2019vs Q4 2018 | $2.0MM$1.9MM |
| Unbacked Noncurrent Loans | Q4 2019vs Q4 2018 | $445.00K$553.00K |
| Real Estate Owned | Q4 2019vs Q4 2018 | $87.00K$582.00K |