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
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 ReportsAggregated from the most recent call report filings for all active charters.
Total Deposits
$200M
Net Income
$521K
ROA (avg)
0.93%
asset-weighted avg
Tier 1 Capital (avg)
0%
asset-weighted avg
Mortgage Lending (HMDA)
Aggregated HMDA data across all active charters for 2024.
Applications
103
Origination Rate
82.52%
Denial Rate
5.83%
Bank Charters
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.