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Overview / Commentary
700 Jamestown Street
Columbia, KY 42728

United Citizens Bank of Southern Kentucky is headquartered in Columbia and is the 91st largest bank in the state of Kentucky. It is also the 3,519th largest bank in the nation. It was established in 2004 and as of December of 2017, it had grown to 43 employees at 4 locations. United Citizens Bank of Southern Kentucky has an A health rating.


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Health Grade Components

FDIC Certificate #57867
Year Established2004
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.09%
Return on Equity - YTD8.98%
Annual Interest Income$6.9MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$148.8MM$137.2MM
LoansQ4 2017vs Q4 2016$123.9MM$110.0MM
DepositsQ4 2017vs Q4 2016$126.0MM$119.4MM
Equity CapitalQ4 2017vs Q4 2016$18.0MM$17.1MM
Loan Loss AllowanceQ4 2017vs Q4 2016$1.8MM$1.7MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$773.00K$576.00K
Real Estate OwnedQ4 2017vs Q4 2016$704.00K$797.00K
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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

0.35%--Statement Savings

United Citizens Bank of Southern Kentucky Money Market Rates

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 - $2,500 | 0.15% $2,500 - $25k | 0.20% $25k - $50k | 0.25% $50k - $75k | 0.30% $75k - $100k

United Citizens Bank of Southern Kentucky Checking Account Rates

0.10%$1k-Member Account
0.10%$1k-Member Classic Account
0.10%*$2,500*-NOW Account
OTHER TIERS: 0.05% $1k - $2,500

United Citizens Bank of Southern Kentucky CD Rates

1.15%$500-60 Month CD
1.10%$500-48 Month CD
1.00%$500-36 Month CD
0.75%$500-30 Month CD
0.50%$500-24 Month CD
0.45%$500-18 Month CD
0.40%$500-12 Month CD
0.25%$500-6 Month CD
0.20%$500-3 Month CD

United Citizens Bank of Southern Kentucky IRA Rates

1.16%$100-60 Month Fixed IRA
1.11%$100-48 Month Fixed IRA
1.01%$100-36 Month Fixed IRA
0.75%$100-30 Month Fixed IRA
0.50%$100-24 Month Fixed IRA
0.50%$100-18 Month Variable IRA
0.45%$100-18 Month Fixed IRA
0.40%$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

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