United Citizens Bank & Trust Company

Campbellsburg, KY

Rating Date

March 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	7.90
Liquidity Index	0.80
Profitability Index	6.00
Stability Index	5.70

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	6.30%
5-Year Asset Growth	12.74%
5-Year Charge-Offs to Average Loans	0.01%
Charge-Offs to Average Loans	0.01%
Non-Performing Assets to Assets	1.65%
Non-Performing Loans to Capital	16.54%
Non-Performing Loans to Loans	2.03%

Balance Sheet	United Citizens Bank & Trust Company Campbellsburg, KY	Click to Compare	Click to Compare	Click to Compare
Total Assets	219.80M
Total Deposits	193.58M

Capital and Reserves	United Citizens Bank & Trust Company Campbellsburg, KY	Click to Compare	Click to Compare	Click to Compare
Capital	20.12M
Leverage Ratio	9.61
Loan Loss Reserves to Loans	0.93%
Risk-Based Capital Ratio	--

Liquidity	United Citizens Bank & Trust Company Campbellsburg, KY	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	22.35%
Liquidity Ratio	9.29%

Profitability	United Citizens Bank & Trust Company Campbellsburg, KY	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	1.07%
Net Income	2.37M
Net Interest Spread	4.38%
Operating Profit to Average Assets	1.43%
Overhead Efficiency Ratio	65.43%
Return on Assets	1.11%
Return on Equity	12.45%