United Citizens Bank & Trust Company

8198 Main Street
Campbellsburg, KY 40011

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 15249
Date Established 1872
Assets $0.11 billion
Loans $0.07 billion
Deposits $0.09 billion
Capital $0.01 billion

United Citizens Bank & Trust Company is an FDIC insured institution located in Campbellsburg, KY. It was founded in 1872 and has approximately $0.11 billion in assets. Customers can open an account at one of its 6 branches.

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

Deposit Rates - August 20, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.15% $10 $9,999 Learn MoreShow Less
Money Market
0.45% $10,000 $49,999 Learn MoreShow Less
Premium Money Market Account
0.15% $10,001 - Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.10% $500 - Learn MoreShow Less
6 Mo CD
0.50% $500 - Learn MoreShow Less
12 Mo CD
1.00% $500 - Learn MoreShow Less
Special: 18 Mo CD
2.27% $500 - Learn MoreShow Less
18 Mo CD
2.27% $500 - Learn MoreShow Less
24 Mo CD
1.26% $500 - Learn MoreShow Less
30 Mo CD
1.51% $500 - Learn MoreShow Less
36 Mo CD
1.51% $500 - Learn MoreShow Less
48 Mo CD
1.76% $500 - Learn MoreShow Less
60 Mo CD
2.01% $500 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.26% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1,000 - Learn MoreShow Less

Loan Rates - August 20, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for United Citizens Bank & Trust Company

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.518% 3.500% 0.25 $545 $1,123 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

Note to United Citizens Bank & Trust Company
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Branches

United Citizens Bank & Trust Company 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:
Ashburn,Virginia


United Citizens Bank & Trust Company Locations


Financial Details

United Citizens Bank & Trust Company Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of United Citizens Bank & Trust Company. 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
United Citizens Bank & Trust Company U.S. Bank Average
8.13% 6.94%

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 March 31, 2019, United Citizens Bank & Trust Company had $1,181,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $13,658,000 in equity and $866,000 in loans loss reserves. That gives it a Texas Ratio of 8.13%.

Return on Equity
United Citizens Bank & Trust Company U.S. Bank Average
9.07% 9.47%

United Citizens Bank & Trust Company has a Return on Equity of 9.07% versus the BestCashCow average of 9.47%. 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
United Citizens Bank & Trust Company U.S. Bank Average
12.22% 12.49%

United Citizens Bank & Trust Company has a Capitalization of 12.22% versus the BestCashCow average of 12.49. 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.

United Citizens Bank & Trust Company Balance Sheet Analysis

As of March 31, 2019, United Citizens Bank & Trust Company had assets of $111,726,000, loans of $71,274,000, and deposits of $90,221,000. 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

March 31, 2019
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.02 billion
Federal funds sold and reverse repurchase $0.01 billion
Net loans and leases $0.07 billion
Loan loss allowance $0.00 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 $0.00 billion
     Total Assets $0.10 billion
LIABILITIES
Total deposits $0.09 billion
      Interest-bearing deposits $0.06 billion
      Deposits held in domestic offices $0.09 billion
      % insured (estimated) 92.66%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.01 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.10 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

March 31, 2019
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in United Citizens Bank & Trust Company’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Construction and Development Loans.

Compared to other banks, United Citizens Bank & Trust Company’s loan portfolio does not show any specific loan specialty.

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 37.00
Multifamily
Mortgages
3.23
Credit Card Loans 0.00
Consumer Auto Loans 0.90
Small Business Loans 0.00
Construction and Development Loans 7.76
Commercial Real Estate 20.07
Commercial and Industrial Loans 2.11
Farm Loans 2.36

Frequently Asked Questions About United Citizens Bank & Trust Company

Branches and Savings

Is United Citizens Bank & Trust Company FDIC insured?

Yes. It is covered under FDIC Certificate #15249.

Why does United Citizens Bank & Trust Company pay such low interest on savings accounts?

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

Why are United Citizens Bank & Trust Company CD rates not competitive?

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

Is United Citizens Bank & Trust Company a commercial bank?

Yes

Where are United Citizens Bank & Trust Company locations?

See branch locations nearby.

Is United Citizens Bank & Trust Company open on Saturdays?

Is United Citizens Bank & Trust Company open on Sundays?

What time does United Citizens Bank & Trust Company open?

What time does United Citizens Bank & Trust Company close?

Are United Citizens Bank & Trust Company ATMs Open 24/7?

Do United Citizens Bank & Trust Company ATMs accept cash deposits?

Can United Citizens Bank & Trust Company customers use other ATMs?

Do United Citizens Bank & Trust Company branches have notaries?

Will United Citizens Bank & Trust Company notarize my document?

What address for United Citizens Bank & Trust Company should I put for incoming ACH transfers?

Will the United Citizens Bank & Trust Company branch print checks?

Do United Citizens Bank & Trust Company checks expire?

Does United Citizens Bank & Trust Company require US citizenship to open account?

Can United Citizens Bank & Trust Company close my account?

Does United Citizens Bank & Trust Company Report to credit bureaus?

Does United Citizens Bank & Trust Company Use Equifax?

What is United Citizens Bank & Trust Company's ACH Routing Number?

What is United Citizens Bank & Trust Company's SWIFT code?

Products

Does United Citizens Bank & Trust Company offer mortgages?

Compare mortgage rates here.

Does United Citizens Bank & Trust Company offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does United Citizens Bank & Trust Company offer personal loans?

Compare personal loan rates here.

Does United Citizens Bank & Trust Company offer student loans?

Will United Citizens Bank & Trust Company cash a check?

Will United Citizens Bank & Trust Company redeem a savings bond?

Does United Citizens Bank & Trust Company cash savings bonds?

Will United Citizens Bank & Trust Company cash money orders?

Can United Citizens Bank & Trust Company issue a money order?

Does United Citizens Bank & Trust Company do currency exchange?

Background on The Bank

Who owns United Citizens Bank & Trust Company?

How long has United Citizens Bank & Trust Company been around?

Can United Citizens Bank & Trust Company transfer to other banks?

Does United Citizens Bank & Trust Company have quick pay?

Does United Citizens Bank & Trust Company accept rolled coins?

Will United Citizens Bank & Trust Company accept loose change?

Where is United Citizens Bank & Trust Company headquarters?

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