Citizens Union Bank of Shelbyville

1854 Midland Trail
Shelbyville, KY 40065

Notable Rates APY Vs.Others
Savings 0.35% 2.60% →
1-Year CD 1.66% 2.25% →
2-Year CD 2.01% 2.50% →
5-Year CD 2.26% 2.80% →
30-Year Mortgage 4.27% 3.31% →
15-Year Mortgage 3.53% 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Bank Information

Citizens Union Bank of Shelbyville is an FDIC insured institution located in Shelbyville, KY. It was founded in 1888 and has approximately $0.81 billion in assets. Customers can open an account at one of its 18 branches.

FDIC Insured Yes
FDIC Certificate # 5840
Date Established 1888
Assets $0.81 billion
Loans $0.65 billion
Deposits $0.63 billion
Capital $0.11 billion
 

For a more detailed analysis of Citizens Union Bank of Shelbyville's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - November 21, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Money Market
0.40% $2,500 $9,999 Learn MoreShow Less
Money Market
0.50% $10,000 $24,999 Learn MoreShow Less
Money Market
0.60% $25,000 $99,999 Learn MoreShow Less
CD Rates APY MIN MAX
6 Mo CD
1.76% $2,500 - Learn MoreShow Less
12 Mo CD
1.66% $2,500 - Learn MoreShow Less
Special: 15 Mo CD
1.51% $2,500 - Learn MoreShow Less
18 Mo CD
1.56% $2,500 - Learn MoreShow Less
Special: 21 Mo CD
1.51% $2,500 - Learn MoreShow Less
1.76% $2,500 $9,999,999 Learn MoreShow Less
24 Mo CD
2.01% $2,500 - Learn MoreShow Less
1.76% $2,500 $9,999,999 Learn MoreShow Less
30 Mo CD
2.01% $2,500 - Learn MoreShow Less
2.01% $2,500 $9,999,999 Learn MoreShow Less
36 Mo CD
2.26% $2,500 - Learn MoreShow Less
2.01% $2,500 $9,999,999 Learn MoreShow Less
48 Mo CD
2.26% $2,500 - Learn MoreShow Less
2.01% $2,500 $9,999,999 Learn MoreShow Less
60 Mo CD
2.26% $2,500 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.66% $1,000 - Learn MoreShow Less
Special: 15 Mo FIRA
1.51% $1,000 - Learn MoreShow Less
Special: 21 Mo FIRA
1.51% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $50 $2,499 Learn MoreShow Less
Int Ckg
0.20% $2,500 - Learn MoreShow Less

Loan Rates - November 21, 2019

Your Current Location: Washington, WA 98109

Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

Citizens Union Bank of Shelbyville branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Seattle,Washington


Citizens Union Bank of Shelbyville Locations


Financial Details

Citizens Union Bank of Shelbyville Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Citizens Union Bank of Shelbyville. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Citizens Union Bank of Shelbyville U.S. Bank Average
4.31% 6.77%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2019, Citizens Union Bank of Shelbyville had $3,559,000 in non-current loans and $1,430,000 in owned real estate. To cover these potential losses it had $108,840,000 in equity and $7,025,000 in loans loss reserves. That gives it a Texas Ratio of 4.31%.

Return on Equity
Citizens Union Bank of Shelbyville U.S. Bank Average
9.52% 9.50%

Citizens Union Bank of Shelbyville has a Return on Equity of 9.52% versus the BestCashCow average of 9.50%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Citizens Union Bank of Shelbyville U.S. Bank Average
13.42% 12.76%

Citizens Union Bank of Shelbyville has a Capitalization of 13.42% versus the BestCashCow average of 12.76. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Citizens Union Bank of Shelbyville Balance Sheet Analysis

As of June 30, 2019, Citizens Union Bank of Shelbyville had assets of $811,026,000, loans of $649,862,000, and deposits of $633,081,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2019
ASSETS
Cash & Balances due from depository institutions $0.06 billion
Interest-bearing balances $0.05 billion
Total securities $0.05 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.65 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.02 billion
     Total Assets $0.70 billion
LIABILITIES
Total deposits $0.63 billion
      Interest-bearing deposits $0.49 billion
      Deposits held in domestic offices $0.63 billion
      % insured (estimated) 85.48%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.06 billion
Subordinated debt $0.00 billion
All other liabilities $0.01 billion
      Total Liabilities $0.70 billion
      Shareholders’ Equity $0.11 billion

Summary Income Statement

June 30, 2019
INCOME AND EXPENSES
Total Interest Income $0.02 billion
Total Interest Expense $0.00 billion
Net interest income $0.02 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.01 billion

Bank Loan Profile?

The top three loan types in Citizens Union Bank of Shelbyville’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Construction and Development Loans.

Compared to other banks in Kentucky, Citizens Union Bank of Shelbyville has a significantly higher percent of Multifamily Mortgages, Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 24.44
Multifamily
Mortgages
10.32
Credit Card Loans 0.00
Consumer Auto Loans 0.20
Small Business Loans 6.76
Construction and Development Loans 16.63
Commercial Real Estate 27.37
Commercial and Industrial Loans 9.94
Farm Loans 1.36

Frequently Asked Questions About Citizens Union Bank Of Shelbyville

Branches and Savings

Is Citizens Union Bank Of Shelbyville FDIC insured?

Yes. It is covered under FDIC Certificate #5840.

Why does Citizens Union Bank Of Shelbyville pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Citizens Union Bank Of Shelbyville CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Citizens Union Bank Of Shelbyville a commercial bank?

Yes

Where are Citizens Union Bank Of Shelbyville locations?

See branch locations nearby.

Is Citizens Union Bank Of Shelbyville open on Saturdays?

Is Citizens Union Bank Of Shelbyville open on Sundays?

What time does Citizens Union Bank Of Shelbyville open?

What time does Citizens Union Bank Of Shelbyville close?

Are Citizens Union Bank Of Shelbyville ATMs Open 24/7?

Do Citizens Union Bank Of Shelbyville ATMs accept cash deposits?

Can Citizens Union Bank Of Shelbyville customers use other ATMs?

Do Citizens Union Bank Of Shelbyville branches have notaries?

Will Citizens Union Bank Of Shelbyville notarize my document?

What address for Citizens Union Bank Of Shelbyville should I put for incoming ACH transfers?

Will the Citizens Union Bank Of Shelbyville branch print checks?

Do Citizens Union Bank Of Shelbyville checks expire?

Does Citizens Union Bank Of Shelbyville require US citizenship to open account?

Can Citizens Union Bank Of Shelbyville close my account?

Does Citizens Union Bank Of Shelbyville Report to credit bureaus?

Does Citizens Union Bank Of Shelbyville Use Equifax?

What is Citizens Union Bank Of Shelbyville's ACH Routing Number?

What is Citizens Union Bank Of Shelbyville's SWIFT code?

Products

Does Citizens Union Bank Of Shelbyville offer mortgages?

Compare mortgage rates here.

Does Citizens Union Bank Of Shelbyville offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Citizens Union Bank Of Shelbyville offer personal loans?

Compare personal loan rates here.

Does Citizens Union Bank Of Shelbyville offer student loans?

Will Citizens Union Bank Of Shelbyville cash a check?

Will Citizens Union Bank Of Shelbyville redeem a savings bond?

Does Citizens Union Bank Of Shelbyville cash savings bonds?

Will Citizens Union Bank Of Shelbyville cash money orders?

Can Citizens Union Bank Of Shelbyville issue a money order?

Does Citizens Union Bank Of Shelbyville do currency exchange?

Background on The Bank

Who owns Citizens Union Bank Of Shelbyville?

How long has Citizens Union Bank Of Shelbyville been around?

Can Citizens Union Bank Of Shelbyville transfer to other banks?

Does Citizens Union Bank Of Shelbyville have quick pay?

Does Citizens Union Bank Of Shelbyville accept rolled coins?

Will Citizens Union Bank Of Shelbyville accept loose change?

Where is Citizens Union Bank Of Shelbyville headquarters?

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