Total Assets
$220M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$194M
Customer-funded liabilities
Net Loans
$177M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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 metrics
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
Profitability metrics
Return on Assets (ROA)
51st percentile nationally
1.12%
Return on Equity (ROE)
12.46%
Efficiency Ratio
65.43%
What the numbers say about United Citizens Bank & Trust Company
United Citizens Bank & Trust Company is an FDIC-insured institution (Certificate #15249) headquartered in Campbellsburg, Kentucky, established in 1872. It holds $220M in total assets - 2,899th of 4,313 FDIC-insured banks, $194M in customer deposits, and $177M in net loans. On safety, its Tier 1 capital ratio of 9.61% is below the 10% well-capitalized threshold, and its Texas Ratio of 17.36% sits in the healthy range below 50%. It earns a PlainBankData health grade of C (56/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Kentucky, United Citizens Bank & Trust Company ranks 79th of 120 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$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.
Top banks in Kentucky by total assets
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.
Other banks in Kentucky
All Kentucky banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is United Citizens Bank & Trust Company's health grade?▼
United Citizens Bank & Trust Company receives a health grade of C (56/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is United Citizens Bank & Trust Company?▼
United Citizens Bank & Trust Company holds $220M in total assets and $194M in deposits, ranking 2,899th of 4,313 FDIC-insured banks by asset size. It is headquartered in Campbellsburg, Kentucky.
Is my money safe at United Citizens Bank & Trust Company?▼
Yes, deposits at United Citizens Bank & Trust Company (Certificate #15249) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is United Citizens Bank & Trust Company's Tier 1 Capital Ratio?▼
United Citizens Bank & Trust Company has a Tier 1 Capital Ratio of 9.61%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for United Citizens Bank & Trust Company?▼
United Citizens Bank & Trust Company has a Texas Ratio of 17.36%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is United Citizens Bank & Trust Company?▼
United Citizens Bank & Trust Company has an Efficiency Ratio of 65.43%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read United Citizens Bank & Trust Company's profile as a depositor or analyst.
- United Citizens Bank & Trust Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare United Citizens Bank & Trust Company against other Kentucky banks before moving funds. Kentucky banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.