United Citizens Bank of Southern Kentucky
Columbia, KY
IDRSSD: 3306598
Total Assets
$268.95M
Latest filing
Total Deposits
$230.87M
Latest filing
Net Interest Margin
4.89%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
United Citizens Bank of Southern Kentucky
700 Jamestown St
Columbia, KY 42728
Full Service - Brick and Mortar
Updated 11/14/2025Established 12/06/2004FDIC Certificate 428531
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| United Citizens Bank of Southern Kentucky (Main) | 700 Jamestown St | Columbia, KY |
| COLUMBIA BRANCH | 1582 Campbellsville Rd | Columbia, KY |
| CAMPBELLSVILLE BY-PASS BRANCH | 294 Campbellsville Byp | Campbellsville, KY |
| RUSSELL SPRINGS BRANCH | 2261 S Highway 127 | Russell Springs, KY |
| DOHONEY TRACE | 202 Dohoney Trce | Columbia, KY |
| GREENSBURG BRANCH | 279 Industrial Park Rd | Greensburg, KY |
Showing 5 of 5
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 12/06/2004 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 42728 |
| State and County Number | 21001 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 57 |
| Domestic Offices | 6 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 12/06/2004 |
| Primary Insurance Agency | DIF |
| Website | www.ucbsky.com |
| Data Updated | 11/14/2025 |
| CERT | 57867 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $268.95M |
| Total Deposits | $230.87M |
| Total Liabilities | $237.98M |
| Total Equity Capital | $30.97M |
| Net Income | $1.26M |
| Net Loans and Leases | $229.28M |
| Assets Per Employee ($Millions) | $4.98M |
| Bank Premises and Fixed Assets | $4.55M |
| Cash and Balances due from Depository Institutions | $9.92M |
| Deposits Held in Domestic Offices | $230.87M |
Key Performance Ratios
| Return on Assets (ROA) | 1.89% |
| Return on Equity (ROE) | 16.7% |
| Net Interest Margin | 4.89% |
| Efficiency Ratio | 48.59% |
| Tier 1 Risk-Based Capital Ratio | 15.816% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.18% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.515% |
| Earning Assets to total Assets | 94.62% |
Income and Expense
| Total Interest Income | $4.50M |
| Total Noninterest Income | $412.00k |
| Total Interest Expense | $1.41M |
| Total Noninterest Expense | $1.70M |
| Net Interest Income | $3.09M |
| Pre-tax Net Operating Income | $1.68M |
| Provision for Credit Losses | $120.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $4.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $1.33M |
| All Other Liabilities | $1.78M |
| Total Liabilities and Capital | $268.95M |
Securities
| Securities | $21.24M |
| Available-for-sale debt securities | $21.24M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of United Citizens Bank of Southern Kentucky?
$268.95M as of the latest filing.
How much are United Citizens Bank of Southern Kentucky's total deposits?
$230.87M in total deposits.
Where is United Citizens Bank of Southern Kentucky located?
Columbia, KY.
What is the Net Interest Margin?
4.89%.
How many domestic offices does it operate?
6.
When was it established?
12/06/2004.
What is the Return on Assets (ROA)?
1.89%.
How much are total loans and leases?
$229.28M (latest filing).
What is the total interest income (latest filing)?
$4.50M.