BanksUNITED CITIZENS BANK & TRUST COMPANY

UNITED CITIZENS BANK & TRUST COMPANY

CAMPBELLSBURG, KYSmallEst. Jan. 1, 1872, midnightFDIC #15249RSSD #336147FDIC
Latest · 2025-12-31

UNITED CITIZENS BANK & TRUST COMPANY is an 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%. CET1 capital ratio: 9.16%. NPL ratio: 2.02% · Texas Ratio: 16.56%. Operates 6 domestic branches.

Assets
$220M
Deposits
$194M
Loans
$178M
Equity
$20M

Profitability

Return on Assets (ROA)1.23%
Return on Equity (ROE)13.28%
Net Interest Margin4.75%
Yield on Assets6.22%
Cost of Funds1.49%

Asset Quality

NPL Ratio2.02%
Net Charge-Off Ratio0.01%
Texas Ratio16.56%
NPA Ratio1.64%
ACL / Loans0.93%

Capital & Liquidity

CET1 Ratio9.16%
Tier 1 Capital9.16%
Total Capital Ratio9.61%
Leverage Ratio9.61%
Loan-to-Deposit92.20%

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