United Citizens Bank & Trust Company
Also written as UCB&T
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Data as of · sourced from FFIEC call reports. How we update
United Citizens Bank & Trust Company is an FDIC-insured commercial bank headquartered in Campbellsburg, KY, established in 1872 (FDIC certificate 15249), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $219.3M, up 4.3% from Q2 2025, the 78th largest of 120 banks headquartered in Kentucky. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.02% 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
- 15249
- Headquarters
- Campbellsburg, KY
- Established
- 1872
- Total assets, Q2 2026
- $219.3M
- Assets vs Q2 2025
- +4.3%
- Tier 1 leverage ratio, Q2 2026
- 10.02%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 083905685
- Latest call report
- Q2 2026, FFIEC 051 · United Citizens Bank & Trust Company call report
- Holding company
- UNITED CITIZENS FINANCIAL CORPORATION
- Asset rank in state
- 78th of 120 in Kentucky
United Citizens Bank & Trust Company, based in Campbellsburg, Kentucky, reported $219 million in assets at June 30, 2026, up 4.3% from a year earlier. It carries problem assets equal to 14.0% of the capital and reserves that would absorb them, 5.3 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it keeps 4.63 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.95 cents).
Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.78% of loans from 1.51% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.2 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, United Citizens Bank & Trust Company reported a return on assets of 1.16%, a nonperforming-loan ratio of 1.78% and a Texas ratio of 13.98%. The figures come from its call report filed with the FFIEC.
United Citizens Bank & Trust Company ranks as the 78th largest of the 120 banks based in Kentucky, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 3.1% to $219.3M, loans fell 0.7% and deposits fell 1.1%. 1-4 family residential loans made up 43.4% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 16.0%. Its 7 offices in the FDIC Summary of Deposits are in 7 cities in KY; its Campbellsburg office books 33% of its branch deposits. Judged on its Q2 2026 call report, United Citizens Bank & Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 8198 Main St, Campbellsburg, KY 40011
- County
- Henry
- Metro Area
- Louisville-Jefferson County, KY-IN
- 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
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1872
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 55
- Domestic deposits
- $197.5M
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- $25K
- Average total assets
- $220.7M
- Average total loans
- $178.9M
- Average interest-bearing deposits
- $139.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 15249
- Fed RSSD
- 336147
- Website
- www.unitedcitizensbank.com →
- Parent Holding Company
- UNITED CITIZENS FINANCIAL CORPORATION (RSSD 1137145)
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, United 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, United Citizens Bank & Trust Company's total assets ran between $182.3M (Q3 2023) and $226.4M (Q1 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
$219.3M total assets against $210.3M; $198.3M total liabilities against $191.5M.
$175.9M net loans and leases against $168.3M; $197.5M total deposits against $188.8M.
$18.7M securities against $23.2M; $19.3M cash and balances due against $13.6M.
$3.2M total interest income against $3.0M; $718K total interest expense against $754K.
$2.5M net interest income against $2.2M.
$190K total noninterest income against $182K; $1.8M total noninterest expense against $1.5M.
$15K provision for credit losses against $92K.
$642K net income against $584K.
1.16% return on assets against 1.10%; 4.63% net interest margin against 4.36%.
10.02% tier 1 leverage ratio against 9.62%.
Inside the full United Citizens Bank & Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
United Citizens Bank & Trust Company rankings
Its closest position to the top of a national ranking is 355 of 3,640, for Texas Ratio; its furthest is 2,523 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.93% (Q1 2025) to 1.32% (Q4 2024) and its net interest margin ran from 4.06% (Q3 2024) to 4.63% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.02% | 1.16% | 1.78% | 13.98% | 4.63% |
| Q1 2026 | 9.80% | 0.94% | 2.21% | 17.71% | 4.43% |
| Q4 2025 | 9.61% | 1.20% | 2.12% | 17.36% | 4.48% |
| Q3 2025 | 9.87% | 1.19% | 2.03% | 16.20% | 4.40% |
| Q2 2025 | 9.62% | 1.10% | 1.51% | 13.58% | 4.36% |
| Q1 2025 | 9.70% | 0.93% | 1.11% | 9.34% | 4.27% |
| Q4 2024 | 9.32% | 1.32% | 0.63% | 5.37% | 4.23% |
| Q3 2024 | 9.43% | 1.17% | 0.87% | 7.11% | 4.06% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| United Citizens Bank & Trust Company (main office) | Campbellsburg , KY | 40011 | $65.1M |
| New Castle Branch | New Castle , KY | 40050 | $39.9M |
| Eminence Office Branch | Eminence , KY | 40019 | $32.3M |
| Pendleton Branch | Smithfield , KY | 40068 | $28.6M |
| Carrollton Office Branch | Carrollton , KY | 41008 | $15.4M |
| Buckner Office Branch | Buckner , KY | 40010 | $13.5M |
| Owenton Branch | Owenton , KY | 40359 | $2.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 1, 1975 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 1975 | Structure Change | Acquired United Farmers Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in KY, rank 96 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $180K approved, $90K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2016 (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 United Citizens Bank & Trust Company
What are United Citizens Bank & Trust Company's total assets?
As of the Q2 2026 filing, United Citizens Bank & Trust Company reported total assets of $219.3 million in its FFIEC call report.
Where is United Citizens Bank & Trust Company headquartered?
It is headquartered in Campbellsburg, KY, United States.
When was United Citizens Bank & Trust Company founded?
It was established in 1872, per the FDIC institution directory.
Is United Citizens Bank & Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15249). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates United Citizens Bank & Trust Company?
United Citizens Bank & Trust Company's primary federal regulator is the FDIC.
How many branches does United Citizens Bank & Trust Company operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is United Citizens Bank & Trust Company's Texas Ratio?
Its Texas Ratio is 13.98% 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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