United Citizens Bank & Trust Company

Campbellsburg, KY

Rating Date

June 2025

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	5.50
Capitalization Index	8.10
Liquidity Index	0.80
Profitability Index	5.60
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	5.36%
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	0.86%
Non-Performing Loans to Capital	8.63%
Non-Performing Loans to Loans	1.07%

Balance Sheet	United Citizens Bank & Trust Company Campbellsburg, KY	Click to Compare	Click to Compare	Click to Compare
Total Assets	210.70M
Total Deposits	187.43M

Capital and Reserves	United Citizens Bank & Trust Company Campbellsburg, KY	Click to Compare	Click to Compare	Click to Compare
Capital	18.43M
Leverage Ratio	9.70
Loan Loss Reserves to Loans	0.92%
Risk-Based Capital Ratio	--

Liquidity	United Citizens Bank & Trust Company Campbellsburg, KY	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	22.93%
Liquidity Ratio	9.07%

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	483.00K
Net Interest Spread	4.27%
Operating Profit to Average Assets	1.23%
Overhead Efficiency Ratio	67.25%
Return on Assets	0.93%
Return on Equity	10.67%