United Citizens Bank & Trust Company
Headquarters
8198 Main St
Campbellsburg, KY 40011
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2026 Overview
General Bank Information
United Citizens Bank & Trust Company is an FDIC insured institution located in Campbellsburg, KY. It was founded in 1872 and has approximately $0.22 billion in assets. Customers can open an account at one of its 6 branches.
| FDIC Insured | Yes |
| FDIC Certificate | # 15249 |
| Date Established | 1872 |
| Assets | $ 219.33 million |
| Loans | $ 177.28 million |
| Deposits | $ 199.71 million |
| Capital | $ 20.67 million |
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 - September 29, 2026
Your Current Location: Arizona, AZ 85001
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Loan Rates - September 29, 2026
Your Current Location: Arizona, AZ 85001
There are currently no loan rates available for 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:
Phoenix,Arizona
United Citizens Bank & Trust Company Locations around zip code 85001
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 1460.83 | A | View Lobby Hours | |
| 1465.32 | B | View Lobby Hours | |
| 1466.52 | C | View Lobby Hours | |
| 1466.92 | D | View Lobby Hours | |
| 1470.23 | E | View Lobby Hours | |
| 1473.43 | F | View Lobby Hours |
Climate Policy and Initiatives
United Citizens Bank & Trust Company is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.
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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 |
|---|---|
| 17.71% | 5.57% |
The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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 December 31, 2025, United Citizens Bank & Trust Company had $3,954,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $20,667,000 in equity and $1,660,000 in loans loss reserves. That gives it a Texas Ratio of 17.71%.
Return on Equity
| United Citizens Bank & Trust Company | U.S. Bank Average |
|---|---|
| 11.29% | 10.69% |
United Citizens Bank & Trust Company has a Return on Equity of 11.29% versus the BestCashCow average of 10.69%. 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 |
|---|---|
| 9.42% | 11.75% |
United Citizens Bank & Trust Company has a Capitalization of 9.42% versus the BestCashCow average of 11.75. 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, 2026, United Citizens Bank & Trust Company had assets of $219,331,000, loans of $177,279,000, and deposits of $199,709,000. 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
December 31, 2025| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $ 6.68 million |
| Interest-bearing balances | $ 0.92 million |
| Total securities | $ 20.52 million |
| Federal funds sold and reverse repurchase | $ 16.38 million |
| Net loans and leases | $ 177.28 million |
| Loan loss allowance | $ 1.66 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | N.A. |
| Goodwill and other intangibles | N.A. |
| All other assets | $ 2.91 million |
| Total Assets | $ 205.77 million |
| LIABILITIES | |
|---|---|
| Total deposits | $ 199.71 million |
| Interest-bearing deposits | $ 140.82 million |
| Deposits held in domestic offices | $ 199.71 million |
| % insured (estimated) | 84.97% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | N.A. |
| Subordinated debt | N.A. |
| All other liabilities | $ 0.34 million |
| Total Liabilities | $ 205.77 million |
| Shareholders’ Equity | $ 13.57 million |
Summary Income Statement
December 31, 2025| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 3.06 million |
| Total Interest Expense | $ 0.69 million |
| Net interest income | $ 2.37 million |
| Provision for loan and lease losses | $ 0.02 million |
| Total non interest income | $ 0.17 million |
| Total non interest expense | $ 1.84 million |
| Pre-tax Net Operating Income | $ 0.70 million |
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 | 25.75 | ✓ | ||
| Multifamily Mortgages |
3.13 | ✓ | ||
| Credit Card Loans | 0.00 | ✓ | ||
| Consumer Auto Loans | 0.44 | ✓ | ||
| Small Business Loans | 0.00 | ✓ | ||
| Construction and Development Loans | 8.20 | ✓ | ||
| Commercial Real Estate | 9.33 | ✓ | ||
| Commercial and Industrial Loans | 1.00 | ✓ | ||
| Farm Loans | 0.81 | ✓ | ||
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