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UCB of Southern Kentucky

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UCB of Southern Kentucky Rates & Review October 2026

Q: How many branches does UCB of Southern Kentucky operate?

UCB of Southern Kentucky currently maintains approximately 6 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, UCB of Southern Kentucky provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 18, 2026

UCB of Southern Kentucky rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.89%, 6-month CD rates at 2.71% and 3-month CD rates at 2.53%. Savings rates are at 0.91% and money market rates are at 1.22%. Mortgage rates on 30-year fixed loans are around 7.39%. These rates come from our rate database, not UCB of Southern Kentucky, and you can see how they compare in the UCB of Southern Kentucky rate tables below. MonitorBankRates evaluates the financial stability of UCB of Southern Kentucky with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.21%. Database rates last updated and verified on 10/18/2026.

UCB of Southern Kentucky money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at UCB of Southern Kentucky? Share your experience about UCB of Southern Kentucky by leaving a review below, or read customer reviews before you decide to use UCB of Southern Kentucky.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.21%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

UCB of Southern Kentucky

700 Jamestown St
Columbia, KY 42728

https://www.ucbsky.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Current Rate Availability

We're not currently displaying rates for UCB of Southern Kentucky, but our database is updated constantly, so check back soon for the latest offers.

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Financial Health History

UCB of Southern Kentucky’s Texas Ratio rose from 1.69% in Q3 2023 to 3.21% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$286M	3.21%	5.0	A+
March 31, 2026	$278M	1.89%	5.0	A+
December 31, 2025	$270M	3.52%	5.0	A+
September 30, 2025	$269M	3.89%	5.0	A+
June 30, 2025	$267M	3.59%	5.0	A+
March 31, 2025	$267M	1.38%	5.0	A+
December 31, 2024	$254M	2.56%	5.0	A+
September 30, 2024	$255M	1.91%	5.0	A+
June 30, 2024	$250M	1.94%	5.0	A+
March 31, 2024	$240M	1.47%	5.0	A+
December 31, 2023	$231M	2.09%	5.0	A+
September 30, 2023	$225M	1.69%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for UCB of Southern Kentucky is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather UCB of Southern Kentucky rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with UCB of Southern Kentucky's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name UCB of Southern Kentucky

Website https://www.ucbsky.com

Address 700 Jamestown St, Columbia, KY 42728 · Adair

Bank Holding Company UNITED CITIZENS BCORP INC

FDIC Certificate # 57867

Regulator FDIC

Established December 6, 2004

FDIC Insurance Date December 6, 2004

Domestic Offices 6

Total Branches 6

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.21%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.9608%

Return on Equity (ROE)

16.9200%

Non-Performing Loans Ratio (NPL)

0.37%

Total Assets

$286,209,000

Total Deposits

$243,473,000

Equity Capital

$32,959,000

Net Income

$2,724,000

Headquarters

Columbia

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

UCB of Southern Kentucky earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/banks/united-citizens-bank-of-southern-kentucky-rates-review-57867">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About UCB of Southern Kentucky

How many branches does UCB of Southern Kentucky operate?

UCB of Southern Kentucky currently maintains approximately 6 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, UCB of Southern Kentucky does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, UCB of Southern Kentucky provides members with tools to manage their accounts and build a solid financial history.

Does UCB of Southern Kentucky offer online and mobile banking?

Most modern institutions like UCB of Southern Kentucky provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.ucbsky.com.