Citizens Bank & Trust Company

Campbellsville, KY

Rating Date

June 2025

Risk Based
Capital Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
Deposits

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Weiss Ratings	Citizens Bank & Trust Company Campbellsville, KY	Click to Compare	Click to Compare	Click to Compare
Rating	B
Asset Quality Index	8.90
Capitalization Index	10.00
Liquidity Index	3.30
Profitability Index	4.40
Stability Index	7.60

Company Info	Citizens Bank & Trust Company Campbellsville, KY	Click to Compare	Click to Compare	Click to Compare
FDIC Number	15675
Phone Number	(270) 465-8193
Website	www.cbtky.com

Asset Quality	Citizens Bank & Trust Company Campbellsville, KY	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	1.49%
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	0.36%
Non-Performing Loans to Capital	0.57%
Non-Performing Loans to Loans	0.63%

Balance Sheet	Citizens Bank & Trust Company Campbellsville, KY	Click to Compare	Click to Compare	Click to Compare
Total Assets	339.33M
Total Deposits	294.73M

Capital and Reserves	Citizens Bank & Trust Company Campbellsville, KY	Click to Compare	Click to Compare	Click to Compare
Capital	42.02M
Leverage Ratio	14.10
Loan Loss Reserves to Loans	1.71%
Risk-Based Capital Ratio	--

Liquidity	Citizens Bank & Trust Company Campbellsville, KY	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	14.49%
Liquidity Ratio	25.07%

Profitability	Citizens Bank & Trust Company Campbellsville, KY	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	1.04%
Net Income	799.00K
Net Interest Spread	3.00%
Operating Profit to Average Assets	1.21%
Overhead Efficiency Ratio	63.59%
Return on Assets	0.96%
Return on Equity	7.75%