UNITED CITIZENS FINANCIAL CORP is the bank holding company. UNITED CITIZENS BANK & TRUST COMPANY is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

UNITED CITIZENS FINANCIAL CORP

Legal name: UNITED CITIZENS FINANCIAL CORPORATION

1 active bank · $226M combined assets

RSSD ID: 1137145 (FFIEC NIC)

Combined Assets

$226M

CRA Rating Summary

Outstanding1charter

Across all 9 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankUNITED CITIZENS BANK & TRUST COMPANYCAMPBELLSBURG, KYOutstanding$226MView profile →

At a Glance

Dominant CRA Rating

Outstanding

1 of 1 bank · Exceeds expectations for community lending

Combined Assets

$226M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$200M

Net Income

$521K

ROA (avg)

0.93%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

103

Origination Rate

82.52%

Denial Rate

5.83%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
UNITED CITIZENS BANK & TRUST COMPANY	CAMPBELLSBURG, KY	FDIC	$226M	100.0%	Outstanding	Sep 2025

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.