Call reports 2026
UNITED CITIZENS BANK OF SOUTHERN KENTUCKY, INC. — 2026
What UNITED CITIZENS BANK OF SOUTHERN KENTUCKY, INC. reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 277,569,000 | 286,209,000 |
| Total loans | 234,107,000 | 245,512,000 |
| Allowance for loan losses | 3,133,000 | 3,220,000 |
| Securities available for sale | 20,945,000 | 21,770,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 240,009,000 | 243,473,000 |
| Interest-bearing deposits | 175,458,000 | 175,985,000 |
| Noninterest-bearing deposits | 64,551,000 | 67,488,000 |
| Equity capital | 31,552,000 | 32,959,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 4,493,000 | 9,173,000 |
| Interest expense | 1,343,000 | 2,712,000 |
| Net interest income | 3,150,000 | 6,461,000 |
| Noninterest income | 422,000 | 889,000 |
| Noninterest expense | 1,732,000 | 3,503,000 |
| Provision for loan losses | 100,000 | 230,000 |
| Pretax income | 1,740,000 | 3,617,000 |
| Income tax | 427,000 | 893,000 |
| Net income | 1,313,000 | 2,724,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 32,334,000 | 33,745,000 |
| Total capital | 34,823,000 | 36,399,000 |
| Risk-weighted assets | 198,511,000 | 211,781,000 |