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United Citizens Bank & Trust Company Locations & Branches Campbellsburg, Kentucky
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United Citizens Bank & Trust Company operates 7 branches from its headquarters in Campbellsburg, KY, .
United Citizens Bank & Trust Company branch network
All 7 branches are in KENTUCKY, across 7 cities. Its largest office by deposits is its main office in Campbellsburg, KY, with $65.1M (33.0% of its branch deposits). On June 30, 2025 it had 6 branches, 1 fewer than in 2026.
United Citizens Bank & Trust Company at a glance
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.
- Total assets, Q2 2026
- $219.3M
- Tier 1 leverage ratio, Q2 2026
- 10.02%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1872
Full financial profile · Is United Citizens Bank & Trust Company safe? · United Citizens Bank & Trust Company call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Campbellsburg, KY (1 branch) | 1 of 1 | 100.0% | $65.1M |
| State: KY (7 branches) | 96 of 152 | 0.2% | $197.5M |
Ranked by total assets among banks headquartered in the state: Largest banks in Kentucky.
Share by county and metro area
United Citizens Bank & Trust Company's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Henry, KY (4 branches) | 1 of 3 | 60.5% | $165.9M | $274.4M |
| Carroll, KY (1 branch) | 5 of 5 | 5.3% | $15.4M | $291.9M |
| Oldham, KY (1 branch) | 9 of 10 | 1.1% | $13.5M | $1.23B |
| Owen, KY (1 branch) | 2 of 2 | 2.1% | $2.6M | $127.2M |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Louisville-Jefferson County, KY-IN (5 branches) | 21 of 39 | 0.4% | $179.4M | $46.36B |
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 15249) · FFIEC NIC profile (RSSD 336147)