FDIC Cert #15249 · Campbellsburg, Kentucky · Est. 1872

United Citizens Bank & Trust Company - FDIC Bank Health Profile

A community-scale look at United Citizens Bank & Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$220M
Total assets
C
Health grade · Fair
1.12%
Return on assets
9.6%
Tier 1 capital

Data updated July 2026

The verdict

United Citizens Bank & Trust Company earns a PlainBankData health grade of C (56/100), with 9.61% Tier 1 capital, profitable at 1.12% ROA, 65% efficiency ratio.

#2,899
largest of 4,313 FDIC banks by assets
33rd
percentile by asset size, nationally
9.61%
Tier 1 ratio - below the 10% well-capitalized line
51st
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 15249 · KY C · 56/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-ADEQ · TEXAS-HEALTHY · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-C C (56/100)
  • BOTTOM-DECILE #3969/4307
  • PHOTO-FINISH First State Bank · WI
  • TIER1-ADEQ 9.6% Tier 1
  • TEXAS-HEALTHY 17.4% Texas
  • ROA-PAR 1.12% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Kentucky: First State Bank, WI (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around United Citizens Bank & Trust Company

Lowest and highest poles plus nearest scored peers outside Kentucky, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Blue Sky Bank · OK · near56/100First State Bank · WI · near56/100Hoosier Heartland St… · IN ·…56/100Riverwind Bank · AR · near56/100United Citizens Bank… · KY ·…56/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around United Citizens Bank & Trust Company · July 2026

What United Citizens Bank & Trust Company's Call Report plate shows

United Citizens Bank & Trust Company (FDIC Cert #15249) carries a PlainBankData health grade of C at 56/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,969 of 4,307. Tier 1 capital prints at 9.61%, missing the 10% well-capitalized line. The Texas Ratio is 17.36%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.12%. Balance-sheet scale is $220M, 2,899th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First State Bank (WI), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around United Citizens Bank & Trust Company

3 FAILURE resolutions in Kentucky since 2000 (3 since 2008)

United Citizens Bank & Trust Company's home state sits in the middle band of post-2000 FAILURE counts (3; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; United Citizens Bank & Trust Company remains an active FDIC-insured reporter.

  • LOUISA COMMUNITY BANK LOUISA, KY 2019 → KENTUCKY FARMERS BANK CORPORATION
  • FIRST FEDERAL BANK LEXINGTON, KY 2013 → YOUR COMMUNITY BANK
  • IRWIN UNION BANK, FSB LOUISVILLE, KY 2009 → FIRST FINANCIAL BANK, N.A.

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Kentucky banks.

How United Citizens Bank & Trust Company's 56/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10056/100
United Citizens Bank & Trust Company's composite health score
Tier 1 Capital Ratio (9.61%) 18/40
Return on Assets (ROA) (1.12%) 20/25
Texas Ratio (17.36%) 10/20
Efficiency Ratio (65.43%) 8/15

56 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$220M

Total balance-sheet footings

Total Deposits

$194M

Customer-funded liabilities

Net Loans

$177M

Outstanding loan book

Net Income

$2M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.21% 9.61% 11.01%
Basel III capital ratios - United Citizens Bank & Trust Company

Where United Citizens Bank & Trust Company ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. United Citizens Bank & Trust Company's score of 56/100 falls in the highlighted band.

United Citizens Bank & Trust Company: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

56 8th percentile higher than 8% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. United Citizens Bank & Trust Company 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

United Citizens Bank & Trust Company's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). United Citizens Bank & Trust Company's $220M falls in the highlighted band.

Safety ratios for United Citizens Bank & Trust Company

Tier 1 capital ratio
Well-capitalized 10%

9.61% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.61%
Texas Ratio
17.36%
Equity Capital
$20M

What these ratios mean →

Earnings posture at United Citizens Bank & Trust Company

Return on Assets (ROA)
51st percentile nationally
1.12%
Return on Equity (ROE)
12.46%
Efficiency Ratio
65.43%

What these mean →

Income & expense at United Citizens Bank & Trust Company

$12M
Interest Income
$695K
Non-Interest Income
$6M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. United Citizens Bank & Trust Company reports a Texas Ratio of 17.36% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

17.36% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View United Citizens Bank & Trust Company on FDIC BankFind →

Top banks in Kentucky by total assets

Largest banks headquartered in Kentucky
  1. 1
    Stock Yards Bank & Trust Company $9.5B

    Louisville, KY · Grade A

  2. 2
    Republic Bank & Trust Company $7.0B

    Louisville, KY · Grade A

  3. 3
    Community Trust Bank, Inc. $6.6B

    Pikeville, KY · Grade A

  4. 4
    Central Bank & Trust Co. $3.9B

    Lexington, KY · Grade B

  5. 5
    Independence Bank of Kentucky $3.8B

    Owensboro, KY · Grade B

Top 5 banks in Kentucky ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($220M here), outside Kentucky so the neighborhood is not state containment.

Farmers and Drovers Bank $220M · KS Community Spirit Bank $220M · AL Bank of Lincoln County $220M · TN Eagle Valley Bank $219M · IL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) United Citizens Bank & Trust Company (FDIC Cert #15249) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

United Citizens Bank & Trust Company Call Report profile · FDIC Failed Bank List · Kentucky FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Kentucky

All Kentucky banks →
BankAssetsGradeROA
Stock Yards Bank & Trust CompanyLouisville $9.5B A 1.57%
Republic Bank & Trust CompanyLouisville $7.0B A 1.89%
Community Trust Bank, Inc.Pikeville $6.6B A 1.50%
Central Bank & Trust Co.Lexington $3.9B B 1.16%
Independence Bank of KentuckyOwensboro $3.8B B 0.80%
Traditional Bank, Inc.Mount Sterling $2.5B B 0.80%
Heritage Bank, Inc.Burlington $2.1B B 1.08%
South Central Bank, Inc.Glasgow $2.1B A 1.25%