United Citizens Bank of Southern Kentucky
United Citizens Bank of Southern Kentucky is headquartered in Columbia and is the 81st largest bank in the state of Kentucky. It is also the 3,277th largest bank in the nation. It was established in 2004 and as of December of 2020, it had grown to 45 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 2020
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 57867 |
| Year Established | 2004 |
| Employees | 45 |
| Primary Regulator | FDIC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.72% |
| Return on Equity - YTD | 13.67% |
| Annual Interest Income | $8.7MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2020vs Q4 2019 | $171.9MM$173.7MM |
| Loans | Q4 2020vs Q4 2019 | $146.3MM$144.0MM |
| Deposits | Q4 2020vs Q4 2019 | $148.0MM$148.0MM |
| Equity Capital | Q4 2020vs Q4 2019 | $23.1MM$21.1MM |
| Loan Loss Allowance | Q4 2020vs Q4 2019 | $2.1MM$2.0MM |
| Unbacked Noncurrent Loans | Q4 2020vs Q4 2019 | $252.00K$445.00K |
| Real Estate Owned | Q4 2020vs Q4 2019 | $0$87.00K |