United Citizens Bank & Trust Company
Campbellsburg, KY
IDRSSD: 336147
Total Assets
$212.95M
Latest filing
Total Deposits
$190.21M
Latest filing
Net Interest Margin
4.45%
Profitability
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
First & Peoples Bank and Trust Company
Russell, Kentucky
→
Assets: $210.65MΔ +0.2%
Commercial Bank
West Liberty, Kentucky
→
Assets: $214.04MΔ +1.8%
The Citizens Bank
Hickman, Kentucky
→
Assets: $214.42MΔ +1.9%
Citizens Bank & Trust Co. of Jackson
Jackson, Kentucky
→
Assets: $215.78MΔ +2.6%
Bank of Columbia
Columbia, Kentucky
→
Assets: $217.72MΔ +3.5%
Lewisburg Banking Company
Lewisburg, Kentucky
→
Assets: $218.97MΔ +4.1%
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 | 51 |
| 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 | 11/14/2025 |
| CERT | 15249 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $212.95M |
| Total Deposits | $190.21M |
| Total Liabilities | $193.14M |
| Total Equity Capital | $19.81M |
| Net Income | $636.00k |
| Net Loans and Leases | $169.73M |
| Assets Per Employee ($Millions) | $4.26M |
| Bank Premises and Fixed Assets | $2.00M |
| Cash and Balances due from Depository Institutions | $6.15M |
| Deposits Held in Domestic Offices | $190.21M |
Key Performance Ratios
| Return on Assets (ROA) | 1.2% |
| Return on Equity (ROE) | 13.17% |
| Net Interest Margin | 4.45% |
| Efficiency Ratio | 63.7% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.09% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.303% |
| Earning Assets to total Assets | 95.27% |
Income and Expense
| Total Interest Income | $3.00M |
| Total Noninterest Income | $177.00k |
| Total Interest Expense | $754.00k |
| Total Noninterest Expense | $1.54M |
| Net Interest Income | $2.25M |
| Pre-tax Net Operating Income | $835.00k |
| Provision for Credit Losses | $45.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $2.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $9.74M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $930.00k |
| Total Liabilities and Capital | $212.95M |
Securities
| Securities | $22.23M |
| Available-for-sale debt securities | $21.23M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| 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?
$212.95M as of the latest filing.
How much are United Citizens Bank & Trust Company's total deposits?
$190.21M in total deposits.
Where is United Citizens Bank & Trust Company located?
Campbellsburg, KY.
What is the Net Interest Margin?
4.45%.
How many domestic offices does it operate?
6.
When was it established?
01/01/1872.
What is the Return on Assets (ROA)?
1.2%.
How much are total loans and leases?
$169.73M (latest filing).
What is the total interest income (latest filing)?
$3.00M.