United Citizens Bank & Trust Company

Campbellsburg, KY

Rating Date

October 2025

Risk Based
Capital Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
Deposits

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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	4.60
Capitalization Index	7.90
Liquidity Index	0.70
Profitability Index	5.90
Stability Index	4.30

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	2.82%
5-Year Asset Growth	16.98%
5-Year Charge-Offs to Average Loans	0.01%
Charge-Offs to Average Loans	0.01%
Non-Performing Assets to Assets	1.32%
Non-Performing Loans to Capital	11.67%
Non-Performing Loans to Loans	1.51%

Balance Sheet	United Citizens Bank & Trust Company Campbellsburg, KY	Click to Compare	Click to Compare	Click to Compare
Total Assets	210.33M
Total Deposits	188.84M

Capital and Reserves	United Citizens Bank & Trust Company Campbellsburg, KY	Click to Compare	Click to Compare	Click to Compare
Capital	18.81M
Leverage Ratio	9.62
Loan Loss Reserves to Loans	0.95%
Risk-Based Capital Ratio	--

Liquidity	United Citizens Bank & Trust Company Campbellsburg, KY	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	23.35%
Liquidity Ratio	8.37%

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	1.07M
Net Interest Spread	4.31%
Operating Profit to Average Assets	1.34%
Overhead Efficiency Ratio	65.55%
Return on Assets	1.02%
Return on Equity	11.62%