🏦Bank Scorer

UNITED CITIZENS BANK & TRUST COMPANY

CAMPBELLSBURG, KY · Supervised by FDIC

Est. 1872FDIC #15,249RSSD: FDIC-15249
Part ofUNITED CITIZENS FINANCIAL CORP→ View all charters
Outstanding Up

Current rating · Exam: September 2025

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.93%

Institution Profile

FDIC BankFind

Address

8198 Main St, CAMPBELLSBURG, KY

County

Henry County

Established

January 1, 1872

Total Assets

$226M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

September 1, 2025

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Sep 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$226M

Total Deposits

$200M

Net Loans

$177M

Net Income

$521K

ROA

0.93%

ROE

10.22%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate5.83%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

6

Branch Deposits

$189M

1-Year Change

0

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202410382.52%5.83%
20238676.74%11.63%
20229182.42%7.69%
20218780.46%10.34%
20209482.98%3.19%
20195367.92%7.55%
20185874.14%13.79%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

8 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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