United Citizens Bank of S Ky
Columbia, Kentucky · FDIC Cert #57867
United Citizens Bank of S Ky is an FDIC-insured bank (Certificate #57867) with $250M in total assets and $217M in total deposits as of the Q2 2024 Call Report. Headquartered in Columbia, Kentucky, the bank maintains a Tier 1 capital ratio of 14.75% (Well-Capitalized) and a nonperforming loan ratio of 0.25%. BankHealthData assigns a composite Health Grade of A (80/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
United Citizens Bank of S Ky (FDIC cert 57867) is a community bank — $250M in total assets, $217M in deposits, serving the Columbia, Kentucky area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 14.75% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.25% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is thin: 11.9% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is strong: return on assets of 1.95% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. United Citizens Bank of S Ky carries a composite BankHealth grade of A (80/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: United Citizens Bank of S Ky
- Total Assets
- $250M
- Total Deposits
- $217M
- Tier 1 Capital Ratio
- 14.75%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.25%
- Liquidity Ratio
- 11.88%
- Return on Assets
- 1.95%
- Headquarters
- Columbia, Kentucky
- FDIC Certificate
- #57867
- Health Grade
- A (80/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, United Citizens Bank of S Ky holds a Tier 1 capital ratio of 14.75%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning United Citizens Bank of S Ky has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
United Citizens Bank of S Ky shows strong financial health indicators. With $250M in assets and a Health Score of 80/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How United Citizens Bank of S Ky Compares
United Citizens Bank of S Ky’s Health Score of 80 is 8 points above the Kentucky state average of 72 across 103 FDIC-insured banks. Its 14.75% Tier 1 capital ratio is 0.8 points above the US banking industry average near 14%. The 0.25% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.95% is in line with or above the national ROA benchmark of ~1.1%. Among 1580 similarly-sized banks, the average Health Score is 69, meaning this bank ranks above its size cohort. Site-wide, United Citizens Bank of S Ky is 10 points above the portfolio average of 70.
Frequently Asked Questions
United Citizens Bank of S Ky has a Bank Health Score of A (80/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 14.75%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. United Citizens Bank of S Ky's Tier 1 capital ratio of 14.75% and nonperforming loan ratio of 0.25% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at United Citizens Bank of S Ky is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #57867). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
United Citizens Bank of S Ky holds $250M in total assets and $217M in total deposits. It is headquartered in Columbia, Kentucky (FDIC Certificate #57867).
United Citizens Bank of S Ky has a Tier 1 capital ratio of 14.75%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.25%, and the return on assets is 1.95%.
Yes. United Citizens Bank of S Ky is FDIC-insured (Certificate #57867). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
United Citizens Bank of S Ky's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.