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United Citizens Bank & Trust Company
Campbellsburg, KY · FDIC Certificate #15249 · Chartered 01/0
Total assets
$219.33M
Total deposits
$197.48M
Total equity
$21.00M
Net loans
$175.94M
Branches (offices)
7
Net income (YTD)
$1.16M
Rank: #2,867 of 4,213 U.S. banks by assets · #78 of 120 in Kentucky. Assets changed 4.3% and deposits 4.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.05% |
| Return on equity | 11.29% |
| Net interest margin (YTD) | 4.57% |
| Equity to assets | 9.58% |
| Tier 1 leverage ratio | 10.02% |
| Uninsured deposits (share of deposits) | 12.6% |
| Noncurrent loans (share of loans) | 1.78% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 89.1% |
| Real estate loans (share of loans) | 95.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $168.22M | 95.6% | |
| Commercial & industrial | $4.15M | 2.4% | |
| Consumer / individual | $2.00M | 1.1% | |
| Construction & development | $28.37M | 16.1% | |
| Agricultural | $1.66M | 0.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $163.29M | $149.00M | $548.00K | $13.95M |
| Jun 2023 | $177.13M | $156.89M | $970.00K | $14.63M |
| Jun 2024 | $204.55M | $186.98M | $1.07M | $16.87M |
| Jun 2025 | $210.33M | $188.84M | $1.07M | $18.81M |
| Jun 2026 | $219.33M | $197.48M | $1.16M | $21.00M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $197.48M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $197.48M.
Similar-sized banks
First Peoples Bank Of Tennessee ($219.54M) · Home State Bank ($218.89M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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