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 74th largest bank in the state of Kentucky. It is also the 2,967th largest bank in the nation. It was established in 2004 and as of June of 2022, it had grown to 54 employees at 6 locations. United Citizens Bank of Southern Kentucky has an A+ health rating.

Reviews (1)

United Citizens Bank

Posted by: |

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 - YTD1.4%
Return on Equity - YTD12.1%
Annual Interest Income$4.6MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$218.6MM$190.7MM
LoansQ2 2022vs Q2 2021$170.3MM$151.6MM
DepositsQ2 2022vs Q2 2021$194.7MM$166.1MM
Equity CapitalQ2 2022vs Q2 2021$23.6MM$24.0MM
Loan Loss AllowanceQ2 2022vs Q2 2021$2.4MM$2.2MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$312.00K$395.00K
Real Estate OwnedQ2 2022vs Q2 2021$0$0

Rates for United Citizens Bank of Southern Kentucky are currently being reviewed.


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 StColumbia, KY 42728
Dohoney Trace202 Dohoney TraceColumbia, KY 42728
Greensburg Branch279 Industrial Park Rd.Greensburg, KY 42743

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