TellerScore

United Citizens Bank & Trust Company (FDIC certificate #15249) is based in Campbellsburg, Kentucky. Its Q2 2026 call report shows $219.3M in total assets and $197.5M in deposits and 7 offices.

United Citizens Bank & Trust Company has a TellerScore of 56 out of 100 (moderate) based on Q2 2026 data — higher than only 13% of its 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 109th. Problem-loan coverage contributes the most (72/100, 14.0%); loan quality contributes the least (41/100, 1.78%).

TellerScore · Q2 2026

Scorecard

Capital cushion50/100
Tier 1 leverage ratio: 10.02%
Loan quality41/100
Noncurrent loans ÷ total loans: 1.78%
Earnings62/100
Return on assets (annualized): 1.05%
Funding & liquidity71/100
Loans ÷ deposits and uninsured-deposit share: 89.1% · 12.6% uninsured
Problem-loan coverage72/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 13.98%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (56 → 56).

TellerScore
495867Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202467
Q3 202464
Q4 202466
Q1 202560
Q2 202556
Q3 202553
Q4 202551
Q1 202649
Q2 202656
Tier 1 leverage ratio
5.00%7.51%10.02%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.22%
Q3 20249.43%
Q4 20249.32%
Q1 20259.70%
Q2 20259.62%
Q3 20259.87%
Q4 20259.61%
Q1 20269.80%
Q2 202610.02%
Noncurrent loans
0.50%1.36%2.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.50%
Q3 20240.87%
Q4 20240.63%
Q1 20251.11%
Q2 20251.51%
Q3 20252.03%
Q4 20252.12%
Q1 20262.21%
Q2 20261.78%
Return on assets
0.93%1.05%1.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.07%
Q3 20241.11%
Q4 20241.17%
Q1 20250.93%
Q2 20251.02%
Q3 20251.08%
Q4 20251.12%
Q1 20260.93%
Q2 20261.05%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202656$219.3M10.02%1.78%1.05%89.1%
Q1 202649$226.4M9.80%2.21%0.93%88.8%
Q4 202551$219.8M9.61%2.12%1.12%91.3%
Q3 202553$213.0M9.87%2.03%1.08%89.2%
Q2 202556$210.3M9.62%1.51%1.02%89.1%
Q1 202560$210.7M9.70%1.11%0.93%89.2%
Q4 202466$206.8M9.32%0.63%1.17%88.8%
Q3 202464$204.1M9.43%0.87%1.11%84.2%
Q2 202467$204.6M9.22%0.50%1.07%81.1%

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).

Capital ratio10.02%
32nd
Total risk-based capital0.00%
24th
Problem loans1.78%
14th
Net charge-offs0.03%
35th
Return on assets1.05%
37th
Net interest margin4.57%
82nd
Efficiency ratio69.9%
30th
Loans to deposits89.1%
28th
Uninsured deposits12.6%
88th
Loan-loss reserves0.94%
20th
Texas ratio14.0%
11th

Similar-size banks in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
The Citizens BankBank Hickman, KY82 out of 100, Strong$220.4M12.7%0.34%vs
Citizens Bank & Trust Co. of JacksonBank Jackson, KY42 out of 100, Below average$217.3M9.7%3.35%vs
Commercial BankBank West Liberty, KY65 out of 100, Moderate$216.1M10.0%1.14%vs
The Citizens BankBank Morehead, KY76 out of 100, Strong$228.6M8.7%0.06%vs
The First National Bank of ManchesterBank Manchester, KY55 out of 100, Moderate$230.1M9.9%1.62%vs
Century Bank of Kentucky, Inc.Bank Lawrenceburg, KY84 out of 100, Strong$208.1M10.4%0.00%vs

Deposit insurance

Is my money safe at United Citizens Bank & Trust Company?

Yes. United Citizens Bank & Trust Company is an FDIC-insured institution (FDIC certificate #15249). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 12.6% of deposits ($24.8M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.02%, 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%).

Check how much of your own balance is covered

7 locations

Branches

United Citizens Bank & Trust Company lists 7 offices in 7 cities. Most locations:

  • Buckner, KY (1)
  • Campbellsburg, KY (1)
  • Carrollton, KY (1)
  • Eminence, KY (1)
  • New Castle, KY (1)
  • Owenton, KY (1)
  • Smithfield, KY (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, United Citizens Bank & Trust Company reported 90 home-loan applications under HMDA (LEI 549300MIICHJBUDK6R97): 70 originated ($12,040,000 total), 11 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
United Citizens Bank & Trust Company
Type
State-chartered bank
FDIC certificate #
15249
RSSD ID
336147
Primary regulator
FDIC
Holding company
United Citizens Financial Corp
Established
January 1, 1872
Headquarters
8198 Main St, Campbellsburg, KY 40011
Employees
55

Quick answers

United Citizens Bank & Trust Company: common questions

Is United Citizens Bank & Trust Company FDIC insured?

Yes. United Citizens Bank & Trust Company is an FDIC-insured institution (FDIC certificate #15249). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is United Citizens Bank & Trust Company's TellerScore?

56 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has United Citizens Bank & Trust Company ever failed?

There is no failure record for FDIC certificate #15249 in the FDIC failed bank list.

How many branches does United Citizens Bank & Trust Company have?

7 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Campbellsburg

InstitutionScoreAssetsCapitalProblem loansCompare
Business and Industrial Federal Credit UnionCredit union Columbus, IN91 out of 100, Very strong$44.9M18.0%0.24%vs
Carrollton Federal BankBank Carrollton, KY87 out of 100, Very strong$43.6M15.7%0.00%vs
Advanz Federal Credit UnionCredit union Louisville, KY85 out of 100, Very strong$161.6M15.6%0.54%vs
Republic Bank & Trust CompanyBank Louisville, KY84 out of 100, Strong$7.1B14.8%0.56%vs
Transcend Credit UnionCredit union Louisville, KY83 out of 100, Strong$588.3M13.4%0.13%vs
Clifty Creek Employees Federal Credit UnionCredit union Madison, IN79 out of 100, Strong$16.3M16.9%0.00%vs