United Citizens Bank & Trust Company

Campbellsburg, KY

Rating Date

October 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	4.20
Capitalization Index	8.30
Liquidity Index	0.70
Profitability Index	5.90
Stability Index	6.00

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	4.34%
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	1.63%
Non-Performing Loans to Capital	15.33%
Non-Performing Loans to Loans	2.02%

Balance Sheet	United Citizens Bank & Trust Company Campbellsburg, KY	Click to Compare	Click to Compare	Click to Compare
Total Assets	212.95M
Total Deposits	190.21M

Capital and Reserves	United Citizens Bank & Trust Company Campbellsburg, KY	Click to Compare	Click to Compare	Click to Compare
Capital	19.81M
Leverage Ratio	9.87
Loan Loss Reserves to Loans	0.96%
Risk-Based Capital Ratio	--

Liquidity	United Citizens Bank & Trust Company Campbellsburg, KY	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	24.30%
Liquidity Ratio	8.71%

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	1.70M
Net Interest Spread	4.34%
Operating Profit to Average Assets	1.42%
Overhead Efficiency Ratio	64.92%
Return on Assets	1.08%
Return on Equity	12.16%