Citizens Bank & Trust Company (Campbellsville, KY)
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Data as of · sourced from FFIEC call reports. How we update
Citizens Bank & Trust Company is an FDIC-insured commercial bank headquartered in Campbellsville, KY, established in 1939 (FDIC certificate 15675), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $383.4M, up 4.4% from Q2 2025, the 53rd largest of 120 banks headquartered in Kentucky. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.12% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15675
- Headquarters
- Campbellsville, KY
- Established
- 1939
- Total assets, Q2 2026
- $383.4M
- Assets vs Q2 2025
- +4.4%
- Tier 1 leverage ratio, Q2 2026
- 13.12%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 083907913
- Latest call report
- Q2 2026, FFIEC 051 · Citizens Bank & Trust Company call report
- Holding company
- FIRST BANCORP, INC.
- Asset rank in state
- 53rd of 120 in Kentucky
Citizens Bank & Trust Company, based in Campbellsville, Kentucky, reported $383 million in assets at June 30, 2026, up 4.4% from a year earlier. It keeps 3.17 cents of net interest income on every dollar of earning assets, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also pays an average of 2.25% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
Earnings jumped: net income for the quarter was $1.2 million, 35% above the same quarter a year earlier. Problem loans have nearly doubled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.57% of loans, against 0.28% a year earlier. One more trend to watch: the commercial and industrial book ($46 million) is worsening: 1.55% of it is past due or on nonaccrual, up from 0.61% a year earlier.
As of June 30, 2026, Citizens Bank & Trust Company reported a return on assets of 1.26%, a nonperforming-loan ratio of 0.57% and a Texas ratio of 2.41%. The figures come from its call report filed with the FFIEC.
Citizens Bank & Trust Company ranks as the 53rd largest of the 120 banks based in Kentucky, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.5% to $383.4M, loans rose 0.6% and deposits rose 0.4%. 1-4 family residential loans made up 40.7% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 22.4%. Its 4 offices in the FDIC Summary of Deposits are in Campbellsville, KY. By the capital ratios in its Q2 2026 call report, Citizens Bank & Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 201 E Main St, Campbellsville, KY 42718
- County
- Taylor
- Metro Area
- Campbellsville, KY
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1939
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 46
- Domestic deposits
- $333.9M
- Allowance for credit losses
- $3.2M
- Net charge-offs (YTD)
- $27K
- Average total assets
- $383.1M
- Average total loans
- $205.3M
- Average interest-bearing deposits
- $264.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 22, 1939
- FDIC Cert
- 15675
- Fed RSSD
- 829041
- Website
- www.cbtky.com →
- Parent Holding Company
- FIRST BANCORP, INC. (RSSD 1099140)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Citizens Bank & Trust Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Citizens Bank & Trust Company's total assets ran between $319.7M (Q3 2023) and $383.4M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$383.4M total assets against $367.2M; $336.4M total liabilities against $324.0M.
$202.4M net loans and leases against $191.0M; $333.9M total deposits against $321.8M.
$137.8M securities against $136.2M; $36.7M cash and balances due against $33.6M.
$4.8M total interest income against $4.4M; $1.9M total interest expense against $1.8M.
$2.9M net interest income against $2.6M.
$357K total noninterest income against $233K; $1.8M total noninterest expense against $1.8M.
No provision recorded in the last 12 quarters.
$1.2M net income against $894K.
1.26% return on assets against 1.03%; 3.17% net interest margin against 3.08%.
13.12% tier 1 leverage ratio against 13.69%.
Inside the full Citizens Bank & Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCitizens Bank & Trust Company rankings
Its closest position to the top of a national ranking is 1,007 of 3,606, for efficiency ratio; its furthest is 2,085 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.86% (Q4 2024) to 1.26% (Q2 2026) and its net interest margin ran from 2.63% (Q4 2024) to 3.17% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.12% | 1.26% | 0.57% | 2.41% | 3.17% |
| Q1 2026 | 13.26% | 1.22% | 0.26% | 1.17% | 3.15% |
| Q4 2025 | 13.00% | 0.89% | 0.20% | 0.81% | 2.78% |
| Q3 2025 | 13.34% | 1.13% | 0.22% | 0.88% | 3.09% |
| Q2 2025 | 13.69% | 1.03% | 0.28% | 1.16% | 3.08% |
| Q1 2025 | 14.10% | 0.96% | 0.15% | 0.64% | 3.00% |
| Q4 2024 | 13.87% | 0.86% | 0.16% | 0.70% | 2.63% |
| Q3 2024 | 14.10% | 0.87% | 0.20% | 0.80% | 2.75% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Campbellsville Branch | Campbellsville , KY | 42718 | $143.6M |
| Elmhurst Plaza Branch | Campbellsville , KY | 42718 | $106.8M |
| Citizens Bank & Trust Company (main office) | Campbellsville , KY | 42718 | $83.5M |
| Main Street Branch | Campbellsville , KY | 42718 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in KY, rank 67 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $230K approved, $230K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Citizens Bank & Trust Company
What are Citizens Bank & Trust Company's total assets?
As of the Q2 2026 filing, Citizens Bank & Trust Company reported total assets of $383.4 million in its FFIEC call report.
Where is Citizens Bank & Trust Company headquartered?
It is headquartered in Campbellsville, KY, United States.
When was Citizens Bank & Trust Company founded?
It was established in 1939, per the FDIC institution directory.
Is Citizens Bank & Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15675). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Bank & Trust Company?
Citizens Bank & Trust Company's primary federal regulator is the FDIC.
How many branches does Citizens Bank & Trust Company operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens Bank & Trust Company's Texas Ratio?
Its Texas Ratio is 2.41% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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