United Citizens Bank of S Ky
Columbia, Kentucky · FDIC Cert #57867
This is the FDIC profile for United Citizens Bank of S Ky, an FDIC-insured bank (Certificate #57867) with $250M in total assets and $217M in total deposits per its most recent FDIC Call Report filing (Q2 2024). 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) based on quarterly FDIC filings. 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
FDIC Filings & Call Report Data
United Citizens Bank of S Ky files quarterly Call Reports with the FDIC under Certificate #57867. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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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 1 points below the Kentucky state average of 81 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 1581 similarly-sized banks, the average Health Score is 81, meaning this bank ranks below its size cohort.
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's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #57867 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
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.