United Citizens Bank & Trust Company

Campbellsburg, KY

Rating Date

August 2026

Risk Based
Capital Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
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Weiss Ratings	United Citizens Bank & Trust Company Campbellsburg, KY	Click to Compare	Click to Compare	Click to Compare
Rating	C
Asset Quality Index	4.00
Capitalization Index	8.50
Liquidity Index	0.80
Profitability Index	5.90
Stability Index	5.90

Company Info	United Citizens Bank & Trust Company Campbellsburg, KY	Click to Compare	Click to Compare	Click to Compare
FDIC Number	15249
Phone Number	(502) 532-7392
Website	www.unitedcitizensbank.com

Asset Quality	United Citizens Bank & Trust Company Campbellsburg, KY	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	4.28%
5-Year Asset Growth	12.74%
5-Year Charge-Offs to Average Loans	0.02%
Charge-Offs to Average Loans	0.03%
Non-Performing Assets to Assets	1.40%
Non-Performing Loans to Capital	13.33%
Non-Performing Loans to Loans	1.73%

Balance Sheet	United Citizens Bank & Trust Company Campbellsburg, KY	Click to Compare	Click to Compare	Click to Compare
Total Assets	219.33M
Total Deposits	197.48M

Capital and Reserves	United Citizens Bank & Trust Company Campbellsburg, KY	Click to Compare	Click to Compare	Click to Compare
Capital	21.01M
Leverage Ratio	10.02
Loan Loss Reserves to Loans	0.94%
Risk-Based Capital Ratio	--

Liquidity	United Citizens Bank & Trust Company Campbellsburg, KY	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	21.36%
Liquidity Ratio	12.28%

Profitability	United Citizens Bank & Trust Company Campbellsburg, KY	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	1.08%
Net Income	1.16M
Net Interest Spread	4.53%
Operating Profit to Average Assets	1.39%
Overhead Efficiency Ratio	69.91%
Return on Assets	1.05%
Return on Equity	11.28%