United Citizens Bank of Southern Kentucky
Columbia, KY
IDRSSD: 3306598
Total Assets
$277.57M
Latest filing
Total Deposits
$240.01M
Latest filing
Net Interest Margin
4.84%
Profitability
Key People
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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 04/10/2026Established 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 | 55 |
| 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 | 04/10/2026 |
| CERT | 57867 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $277.57M |
| Total Deposits | $240.01M |
| Total Liabilities | $246.02M |
| Total Equity Capital | $31.55M |
| Net Income | $1.31M |
| Net Loans and Leases | $230.97M |
| Assets Per Employee ($Millions) | $4.87M |
| Bank Premises and Fixed Assets | $4.49M |
| Cash and Balances due from Depository Institutions | $15.78M |
| Deposits Held in Domestic Offices | $240.01M |
Key Performance Ratios
| Return on Assets (ROA) | 1.92% |
| Return on Equity (ROE) | 16.5% |
| Net Interest Margin | 4.84% |
| Efficiency Ratio | 48.49% |
| Tier 1 Risk-Based Capital Ratio | 16.288% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.15% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.367% |
| Earning Assets to total Assets | 95.59% |
Income and Expense
| Total Interest Income | $4.49M |
| Total Noninterest Income | $422.00k |
| Total Interest Expense | $1.34M |
| Total Noninterest Expense | $1.73M |
| Net Interest Income | $3.15M |
| Pre-tax Net Operating Income | $1.74M |
| Provision for Credit Losses | $100.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $30.00k |
| Other borrowed funds | $4.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $1.40M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.01M |
| Total Liabilities and Capital | $277.57M |
Securities
| Securities | $20.95M |
| Available-for-sale debt securities | $20.95M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$277.57M as of the latest filing.
How much are United Citizens Bank of Southern Kentucky's total deposits?
$240.01M in total deposits.
Where is United Citizens Bank of Southern Kentucky located?
Columbia, KY.
What is the Net Interest Margin?
4.84%.
How many domestic offices does it operate?
6.
When was it established?
12/06/2004.
What is the Return on Assets (ROA)?
1.92%.
How much are total loans and leases?
$230.97M (latest filing).
What is the total interest income (latest filing)?
$4.49M.