United Bank & Capital Trust Company


United Bank & Capital Trust Company is an FDIC insured institution headquartered at 125 West Main St, Frankfort, KY 40601.
It was founded in 1850 and has approximately $2 billion in assets. Customers can open an account at one of its 34 branches.

Deposit Rates - July 18, 2025

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 15437
Date Established 1850
Assets $ 1,645.70 million
Loans $ 1,054.21 million
Deposits $ 1,360.70 million
Capital $ 163.67 million

Summary Balance Sheet as of December 31, 2024

ASSETS
Cash & Balances due from depository institutions $ 54.51 million
Interest-bearing balances $ 30.61 million
Total securities $ 380.47 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 1,054.21 million
Loan loss allowance $ 10.00 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 4.03 million
Goodwill and other intangibles $ 0.67 million
All other assets $ 63.25 million
     Total Assets $ 1,424.84 million

LIABILITIES
Total deposits $ 1,360.70 million
      Interest-bearing deposits $ 1,000.62 million
      Deposits held in domestic offices $ 1,360.70 million
      % insured (estimated)" 71.90%
Federal funds purchased and repurchase agreements $ 33.53 million
Trading liabilities N.A.
Other borrowed funds $ 3.39 million
Subordinated debt N.A.
All other liabilities $ 27.22 millionn
      Total Liabilities $ 1,424.84 million
      Shareholders’ Equity $ 220.86 million

Summary Income Statement as of December 31, 2024

INCOME AND EXPENSES
Total Interest Income $ 30.97 million
Total Interest Expense $ 1.30 million
Net interest income $ 29.67 million
Provision for loan and lease losses N.A.
Total non interest income $ 10.02 million
Total non interest expense $ 25.91 million
Pre-tax Net Operating Income $ 13.91 million

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Branches

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United Bank & Capital Trust Company Locations