B
Citizens Bank & Trust Company
Rating Date
March 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
13.00
Return On
Assets
1.00%
Total
Assets
376.09M
Capital
45.99M
Total
Deposits
328.08M
Net
Income
3.55M
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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 3.50
Profitability Index 4.50
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 11.34%
5-Year Asset Growth 7.91%
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 1.59%
Non-Performing Loans to Loans 0.61%
Balance Sheet Citizens Bank & Trust Company
Campbellsville, KY 		Click to
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Total Assets 376.09M
Total Deposits 328.08M
Capital and Reserves Citizens Bank & Trust Company
Campbellsville, KY 		Click to
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Capital 45.99M
Leverage Ratio 13.00
Loan Loss Reserves to Loans 1.63%
Risk-Based Capital Ratio --
Liquidity Citizens Bank & Trust Company
Campbellsville, KY 		Click to
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Hot Money Ratio 14.31%
Liquidity Ratio 25.19%
Profitability Citizens Bank & Trust Company
Campbellsville, KY 		Click to
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5-Year Return on Average Assets 1.04%
Net Income 3.55M
Net Interest Spread 2.99%
Operating Profit to Average Assets 1.25%
Overhead Efficiency Ratio 61.42%
Return on Assets 1.00%
Return on Equity 8.17%