Citizens Bank & Trust Company
Campbellsville, KY
IDRSSD: 829041
Total Assets
$376.09M
Latest filing
Total Deposits
$328.08M
Latest filing
Net Interest Margin
2.78%
Profitability
Key People
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Locations
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Main Office
Citizens Bank & Trust Company
201 E Main St
Campbellsville, KY 42718
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1939FDIC Certificate 9949
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Citizens Bank & Trust Company (Main) | 201 E Main St | Campbellsville, KY |
| MAIN STREET BRANCH | 408 E Main St | Campbellsville, KY |
| ELMHURST PLAZA BRANCH | 1307 E Broadway St | Campbellsville, KY |
| CAMPBELLSVILLE BRANCH | 280 Campbellsville Byp | Campbellsville, KY |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1939 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 42718 |
| State and County Number | 21217 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Campbellsville, KY |
Operational Info
| Number of Employees | 47 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 07/22/1939 |
| Primary Insurance Agency | DIF |
| Website | www.cbtky.com |
| Data Updated | 01/30/2026 |
| CERT | 15675 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $376.09M |
| Total Deposits | $328.08M |
| Total Liabilities | $330.10M |
| Total Equity Capital | $45.99M |
| Net Income | $832.00k |
| Net Loans and Leases | $195.72M |
| Assets Per Employee ($Millions) | $8.55M |
| Bank Premises and Fixed Assets | $1.03M |
| Cash and Balances due from Depository Institutions | $18.41M |
| Deposits Held in Domestic Offices | $328.08M |
Key Performance Ratios
| Return on Assets (ROA) | 0.9% |
| Return on Equity (ROE) | 7.29% |
| Net Interest Margin | 2.78% |
| Efficiency Ratio | 59.16% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.229% |
| Earning Assets to total Assets | 97.21% |
Income and Expense
| Total Interest Income | $4.43M |
| Total Noninterest Income | $350.00k |
| Total Interest Expense | $1.94M |
| Total Noninterest Expense | $1.68M |
| Net Interest Income | $2.50M |
| Pre-tax Net Operating Income | $1.16M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $11.25M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.02M |
| Total Liabilities and Capital | $376.09M |
Securities
| Securities | $144.69M |
| Available-for-sale debt securities | $144.69M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens Bank & Trust Company?
$376.09M as of the latest filing.
How much are Citizens Bank & Trust Company's total deposits?
$328.08M in total deposits.
Where is Citizens Bank & Trust Company located?
Campbellsville, KY.
What is the Net Interest Margin?
2.78%.
How many domestic offices does it operate?
4.
When was it established?
01/01/1939.
What is the Return on Assets (ROA)?
0.9%.
How much are total loans and leases?
$195.72M (latest filing).
What is the total interest income (latest filing)?
$4.43M.