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BankSonar

United Citizens Bank & Trust Company

Campbellsburg, KY · State, non-member commercial bank

55

Sonar Score

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out of 100 · from public FDIC data

Reported March 31, 2026. The Sonar Score is an informational signal from public FDIC data — not a rating or financial advice.

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Key figures

Total assets
$226.4M
Total deposits
$199.7M
Branches
7
Return on assets
0.93%
Return on equity
10.22%
Charter type
State, non-member commercial bank
Established
1872
FDIC cert #
15249

How the 55 breaks down

Capital adequacyweight 40%

Capital ratio not reported.

Profitability (ROA)weight 30%

Modest but positive returns.

Return on equityweight 15%

Efficient use of shareholder capital.

Scale & stabilityweight 15%

Community-scale institution.

Read the full Sonar Score methodology →

Your deposits at United Citizens Bank & Trust Company

United Citizens Bank & Trust Company is an FDIC-insured institution (Cert #15249). Deposits are insured up to $250,000 per depositor, per ownership category, by the full faith and credit of the US government. Learn how to maximize your coverage →

7 branch locations

7962 Lagrange Road

Smithfield, KY 40068

503 Highland Ave

Carrollton, KY 41008

5364 S Main St

Eminence, KY 40019

4727 W Highway 146

Buckner, KY 40010

785 Highway 22 E

Owenton, KY 40359

25 S Main St

New Castle, KY 40050

8198 Main St

Campbellsburg, KY 40011

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