United Citizens Bank & Trust Company
Campbellsburg, KY
IDRSSD: 336147
Total Assets
$219.80M
Latest filing
Total Deposits
$193.58M
Latest filing
Net Interest Margin
4.59%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
083905685CAMPBELLSBURG, KY
Key People
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Locations
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Main Office
United Citizens Bank & Trust Company
8198 Main St
Campbellsburg, KY 40011
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1872FDIC Certificate 9599
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| United Citizens Bank & Trust Company (Main) | 8198 Main St | Campbellsburg, KY |
| PENDLETON BRANCH | 7962 Lagrange Road | Smithfield, KY |
| CARROLLTON OFFICE BRANCH | 503 Highland Ave | Carrollton, KY |
| EMINENCE OFFICE BRANCH | 5364 S Main St | Eminence, KY |
| BUCKNER OFFICE BRANCH | 4727 W Highway 146 | Buckner, KY |
| NEW CASTLE BRANCH | 25 S Main St | New Castle, KY |
Showing 5 of 5
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 | 01/01/1872 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 40011 |
| State and County Number | 21103 |
| Subchapter S Corporations | No |
| Trust Powers | Limited 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 | Louisville-Jefferson County, KY-IN |
Operational Info
| Number of Employees | 50 |
| Domestic Offices | 6 |
| 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 | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.unitedcitizensbank.com |
| Data Updated | 01/30/2026 |
| CERT | 15249 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $219.80M |
| Total Deposits | $193.58M |
| Total Liabilities | $199.68M |
| Total Equity Capital | $20.12M |
| Net Income | $663.00k |
| Net Loans and Leases | $176.82M |
| Assets Per Employee ($Millions) | $4.23M |
| Bank Premises and Fixed Assets | $2.33M |
| Cash and Balances due from Depository Institutions | $5.92M |
| Deposits Held in Domestic Offices | $193.58M |
Key Performance Ratios
| Return on Assets (ROA) | 1.23% |
| Return on Equity (ROE) | 13.28% |
| Net Interest Margin | 4.59% |
| Efficiency Ratio | 66.86% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.03% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.155% |
| Earning Assets to total Assets | 95.31% |
Income and Expense
| Total Interest Income | $3.09M |
| Total Noninterest Income | $161.00k |
| Total Interest Expense | $728.00k |
| Total Noninterest Expense | $1.69M |
| Net Interest Income | $2.37M |
| Pre-tax Net Operating Income | $822.00k |
| Provision for Credit Losses | $15.00k |
| 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 | $5.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $9.40M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.09M |
| Total Liabilities and Capital | $219.80M |
Securities
| Securities | $22.11M |
| Available-for-sale debt securities | $21.11M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $1.00M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of United Citizens Bank & Trust Company?
$219.80M as of the latest filing.
How much are United Citizens Bank & Trust Company's total deposits?
$193.58M in total deposits.
Where is United Citizens Bank & Trust Company located?
Campbellsburg, KY.
What is the Net Interest Margin?
4.59%.
How many domestic offices does it operate?
6.
When was it established?
01/01/1872.
What is the Return on Assets (ROA)?
1.23%.
How much are total loans and leases?
$176.82M (latest filing).
What is the total interest income (latest filing)?
$3.09M.