United Citizens Bank Of S Ky (FDIC #57867): Bank Stress & Real-Estate Credit Exposure

United Citizens Bank Of S Ky (FDIC Cert #57867): bank stress 46/100, moderate, STABLE over 7 days; parent UNITED CITIZENS BCORP INC.

United Citizens Bank Of S Ky (#57867) lends in 4 counties across 1 state; United Citizens Bank Of S Ky (#57867) reaches 24 ZIP codes: Kentucky 4 counties, 24 ZIPs.

United Citizens Bank Of S Ky (#57867) largest markets: Adair County, KY (33 branches, 11 ZIPs) (#57867), Green County, KY (8 branches, 8 ZIPs) (#57867), Russell County, KY (7 branches, 7 ZIPs) (#57867), Taylor County, KY (6 branches, 6 ZIPs) (#57867).

United Citizens Bank Of S Ky (#57867) reports $286.2 million in total assets; United Citizens Bank Of S Ky (#57867) equity $33.0 million (11.5% of United Citizens Bank Of S Ky (#57867) assets); United Citizens Bank Of S Ky (#57867) domestic deposits $243.5 million; United Citizens Bank Of S Ky (#57867) net income $2.7 million; United Citizens Bank Of S Ky (#57867) return on assets 1.96%; United Citizens Bank Of S Ky (#57867) return on equity 16.92%; United Citizens Bank Of S Ky (#57867) net interest income $6.5 million; United Citizens Bank Of S Ky (#57867) call report June 30, 2026.

United Citizens Bank Of S Ky (#57867) noncurrent real-estate loans 0.01% of its book; United Citizens Bank Of S Ky (#57867) net charge-offs on real estate 0.40%; United Citizens Bank Of S Ky (#57867) residential charge-offs 0.13%.

United Citizens Bank Of S Ky (#57867) net interest margin 4.90% against an eight-quarter United Citizens Bank Of S Ky (#57867) average of 4.68% (United Citizens Bank Of S Ky (#57867) compression -0.22 points); United Citizens Bank Of S Ky (#57867) real-estate loans 1.4% of equity; United Citizens Bank Of S Ky (#57867) non-residential real estate 13.2% of equity; United Citizens Bank Of S Ky (#57867) rate-exposure score 40/100, United Citizens Bank Of S Ky (#57867) fixed-rate trap 40/100; United Citizens Bank Of S Ky (#57867) risk type credit driven; United Citizens Bank Of S Ky (#57867) rate regime rates elevated, United Citizens Bank Of S Ky (#57867) snapshot October 19, 2026.

United Citizens Bank Of S Ky (#57867) stress score moved from 46.1 on June 22, 2026 to 46 on October 19, 2026; United Citizens Bank Of S Ky (#57867) ranged 46 to 46.1 over 116 snapshots.

United Citizens Bank Of S Ky (#57867) alerts: 4 counties; top United Citizens Bank Of S Ky (#57867) alert scores: Campbellsville County, KY 18 (low); Columbia County, KY 18 (low); Greensburg County, KY 18 (low); Russell Springs County, KY 18 (low).