B
Citizens Bank & Trust Company
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
13.34
Return On
Assets
1.04%
Total
Assets
364.84M
Capital
45.37M
Total
Deposits
317.15M
Net
Income
2.72M
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Weiss Ratings Citizens Bank & Trust Company
Campbellsville, KY 		Click to
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Rating B
Asset Quality Index 8.90
Capitalization Index 10.00
Liquidity Index 3.40
Profitability Index 4.60
Stability Index 7.20
Company Info Citizens Bank & Trust Company
Campbellsville, KY 		Click to
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FDIC Number 15675
Phone Number (270) 465-8193
Website www.cbtky.com
Asset Quality Citizens Bank & Trust Company
Campbellsville, KY 		Click to
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1-Year Asset Growth 10.66%
5-Year Asset Growth 9.57%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans -0.01%
Non-Performing Assets to Assets 0.32%
Non-Performing Loans to Capital 0.83%
Non-Performing Loans to Loans 0.59%
Balance Sheet Citizens Bank & Trust Company
Campbellsville, KY 		Click to
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Total Assets 364.84M
Total Deposits 317.15M
Capital and Reserves Citizens Bank & Trust Company
Campbellsville, KY 		Click to
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Capital 45.37M
Leverage Ratio 13.34
Loan Loss Reserves to Loans 1.65%
Risk-Based Capital Ratio --
Liquidity Citizens Bank & Trust Company
Campbellsville, KY 		Click to
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Hot Money Ratio 14.00%
Liquidity Ratio 25.37%
Profitability Citizens Bank & Trust Company
Campbellsville, KY 		Click to
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5-Year Return on Average Assets 1.04%
Net Income 2.72M
Net Interest Spread 3.06%
Operating Profit to Average Assets 1.25%
Overhead Efficiency Ratio 62.18%
Return on Assets 1.04%
Return on Equity 8.49%