Headquartered in Campbellsville, Kentucky, Citizens Bank & Trust Company is a state-chartered bank with $383.4M in total assets and $333.9M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1939.
Based on its Q2 2026 filing, Citizens Bank & Trust Company scores 79/100, which we describe as strong. That is higher than 75% of 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 27th. Its strongest component is problem-loan coverage (95/100; 2.4%), and its lowest is earnings (69/100; 1.24%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 3 points (82 → 79), mostly because the loan quality component weakened by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 82 |
| Q3 2024 | 83 |
| Q4 2024 | 82 |
| Q1 2025 | 84 |
| Q2 2025 | 82 |
| Q3 2025 | 81 |
| Q4 2025 | 80 |
| Q1 2026 | 82 |
| Q2 2026 | 79 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.78% |
| Q3 2024 | 14.10% |
| Q4 2024 | 13.87% |
| Q1 2025 | 14.10% |
| Q2 2025 | 13.69% |
| Q3 2025 | 13.34% |
| Q4 2025 | 13.00% |
| Q1 2026 | 13.26% |
| Q2 2026 | 13.12% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.13% |
| Q3 2024 | 0.20% |
| Q4 2024 | 0.16% |
| Q1 2025 | 0.15% |
| Q2 2025 | 0.28% |
| Q3 2025 | 0.22% |
| Q4 2025 | 0.20% |
| Q1 2026 | 0.26% |
| Q2 2026 | 0.57% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.88% |
| Q3 2024 | 0.87% |
| Q4 2024 | 0.87% |
| Q1 2025 | 0.94% |
| Q2 2025 | 0.97% |
| Q3 2025 | 1.03% |
| Q4 2025 | 1.00% |
| Q1 2026 | 1.21% |
| Q2 2026 | 1.24% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 79 | $383.4M | 13.12% | 0.57% | 1.24% | 60.6% |
| Q1 2026 | 82 | $381.5M | 13.26% | 0.26% | 1.21% | 60.5% |
| Q4 2025 | 80 | $376.1M | 13.00% | 0.20% | 1.00% | 59.7% |
| Q3 2025 | 81 | $364.8M | 13.34% | 0.22% | 1.03% | 61.4% |
| Q2 2025 | 82 | $367.2M | 13.69% | 0.28% | 0.97% | 59.3% |
| Q1 2025 | 84 | $339.3M | 14.10% | 0.15% | 0.94% | 63.9% |
| Q4 2024 | 82 | $337.8M | 13.87% | 0.16% | 0.87% | 63.2% |
| Q3 2024 | 83 | $329.7M | 14.10% | 0.20% | 0.87% | 64.5% |
| Q2 2024 | 82 | $329.9M | 13.78% | 0.13% | 0.88% | 63.3% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Kentucky
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First National Bank of GraysonBank Grayson, KY | 79 out of 100, Strong | $371.9M | 13.0% | 0.96% | vs |
| First State BankBank Irvington, KY | 70 out of 100, Strong | $402.0M | 11.2% | 1.33% | vs |
| Bank of the Bluegrass and Trust CompanyBank Lexington, KY | 75 out of 100, Strong | $407.0M | 10.8% | 0.03% | vs |
| Bank of Lexington, Inc.Bank Lexington, KY | 74 out of 100, Strong | $410.8M | 11.5% | 0.01% | vs |
| United Southern BankBank Hopkinsville, KY | 81 out of 100, Strong | $353.7M | 12.7% | 0.37% | vs |
| 1st Trust Bank, Inc.Bank Hazard, KY | 64 out of 100, Moderate | $351.7M | 9.6% | 0.15% | vs |
Deposit insurance
Is my money safe at Citizens Bank & Trust Company?
Yes. Citizens Bank & Trust Company is an FDIC-insured institution (FDIC certificate #15675). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 37.0% of deposits ($123.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.12%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
4 locations
Branches
Citizens Bank & Trust Company lists 3 offices in 1 city. Most locations:
Identity & history
Profile
- Legal name
- Citizens Bank & Trust Company
- Type
- State-chartered bank
- FDIC certificate #
- 15675
- RSSD ID
- 829041
- Primary regulator
- FDIC
- Holding company
- First Bcorp Inc
- Established
- January 1, 1939
- Headquarters
- 201 E Main St, Campbellsville, KY 42718
- Website
- www.cbtky.com
- Employees
- 46
Quick answers
Citizens Bank & Trust Company: common questions
Is Citizens Bank & Trust Company FDIC insured?
Yes. Citizens Bank & Trust Company is an FDIC-insured institution (FDIC certificate #15675). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens Bank & Trust Company's TellerScore?
79 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Citizens Bank & Trust Company ever failed?
There is no failure record for FDIC certificate #15675 in the FDIC failed bank list.
How many branches does Citizens Bank & Trust Company have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Campbellsville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Lincoln National Bank of HodgenvilleBank Hodgenville, KY | 86 out of 100, Very strong | $454.4M | 14.9% | 0.43% | vs |
| Bank of JamestownBank Jamestown, KY | 84 out of 100, Strong | $263.8M | 13.0% | 0.02% | vs |
| Edmonton State BankBank Glasgow, KY | 82 out of 100, Strong | $1.2B | 11.5% | 0.32% | vs |
| United Citizens Bank of Southern KentuckyBank Columbia, KY | 81 out of 100, Strong | $286.2M | 12.1% | 0.43% | vs |
| Abound Federal Credit UnionCredit union Radcliff, KY | 81 out of 100, Strong | $2.8B | 15.8% | 0.81% | vs |
| Community Trust Bank, Inc.Bank Pikeville, KY | 80 out of 100, Strong | $6.9B | 13.4% | 0.58% | vs |