United Citizens Bank & Trust Company is a bank based in Campbellsburg, Kentucky, established in 1872, with $226 million in total assets across 7 branches. By Trust Grade it ranks 61st of 120 banks we track in Kentucky. Its capital ratio of 9.1% trails most similarly sized banks (32th percentile), versus a Kentucky median of 9.6%. It was profitable over the most recent period, with a 0.93% return on assets. No consumer complaints against United Citizens Bank & Trust Company appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How United Citizens Bank & Trust Company compares to Kentucky peers
How we graded United Citizens Bank & Trust Company
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.1% capital ratio)
- Profitable (ROA 0.93%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for United Citizens Bank & Trust Company over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (7)
- 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
Are deposits at United Citizens Bank & Trust Company insured?
Yes. United Citizens Bank & Trust Company is an FDIC-insured bank (FDIC certificate #15249). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
United Citizens Bank & Trust Company: frequently asked questions
Is United Citizens Bank & Trust Company a good bank?
United Citizens Bank & Trust Company earns a Bankzia Trust Grade of A (94/100, "Excellent"), based on a financial-strength score of 94/100 (it has no CFPB complaints on record). Strongly capitalized (9.1% capital ratio); Profitable (ROA 0.93%).
Is United Citizens Bank & Trust Company FDIC-insured?
Yes. United Citizens Bank & Trust Company is a FDIC-insured bank (FDIC certificate #15249). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is United Citizens Bank & Trust Company?
United Citizens Bank & Trust Company holds $226 million in total assets, ranking 61st of 120 banks we track in Kentucky. It operates 7 branches.
Does United Citizens Bank & Trust Company have CFPB complaints?
No CFPB complaints against United Citizens Bank & Trust Company appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
