UNITED CITIZENS BANK & TRUST COMPANY

CAMPBELLSBURG, KY | Small | Est. Jan. 1, 1872, midnight | FDIC #15249 | RSSD #336147 | FDIC
Latest Report: 2025-12-31

UNITED CITIZENS BANK & TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in CAMPBELLSBURG, KY, established in Jan. 1, 1872, midnight. As of 2025-12-31, the bank reported total assets of $220M and total deposits of $194M. Profitability stands at 1.23% ROA and 13.28% ROE, with a net interest margin of 4.75%. The bank's CET1 capital ratio is 9.16%. Asset quality metrics show a non-performing loan ratio of 2.02% and a Texas Ratio of 16.56%. FDIC Certificate #15249.

Assets

$220M

Deposits

$194M

Loans

$178M

Equity

$20M

Profitability

Return on Assets (ROA) 1.23%
Return on Equity (ROE) 13.28%
Net Interest Margin (NIM) 4.75%
Yield on Assets 6.22%
Cost of Funds 1.49%

Asset Quality

NPL Ratio 2.02%
Net Charge-Off Ratio 0.01%
Texas Ratio 16.56%
NPA Ratio 1.64%
ACL / Loans 0.93%

Capital & Liquidity

CET1 Ratio 9.16%
Tier 1 Capital 9.16%
Total Capital Ratio 9.61%
Leverage Ratio 9.61%
Loan-to-Deposit 92.20%

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