B
Citizens Bank & Trust Company
Rating Date
August 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
13.12
Return On
Assets
1.24%
Total
Assets
383.40M
Capital
47.05M
Total
Deposits
333.87M
Net
Income
2.35M
My Lists My Alerts
Weiss Ratings Citizens Bank & Trust Company
Campbellsville, KY 		Click to
Compare		 Click to
Compare		 Click to
Compare
Rating B
Asset Quality Index 8.40
Capitalization Index 10.00
Liquidity Index 3.40
Profitability Index 5.40
Stability Index 7.30
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 4.40%
5-Year Asset Growth 7.91%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.03%
Non-Performing Assets to Assets 0.56%
Non-Performing Loans to Capital 3.53%
Non-Performing Loans to Loans 1.02%
Balance Sheet Citizens Bank & Trust Company
Campbellsville, KY 		Click to
Compare		 Click to
Compare		 Click to
Compare
Total Assets 383.40M
Total Deposits 333.87M
Capital and Reserves Citizens Bank & Trust Company
Campbellsville, KY 		Click to
Compare		 Click to
Compare		 Click to
Compare
Capital 47.05M
Leverage Ratio 13.12
Loan Loss Reserves to Loans 1.57%
Risk-Based Capital Ratio --
Liquidity Citizens Bank & Trust Company
Campbellsville, KY 		Click to
Compare		 Click to
Compare		 Click to
Compare
Hot Money Ratio 16.20%
Liquidity Ratio 24.14%
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 2.35M
Net Interest Spread 3.16%
Operating Profit to Average Assets 1.57%
Overhead Efficiency Ratio 54.50%
Return on Assets 1.24%
Return on Equity 10.14%