United Citizens Bank & Trust Company is an FDIC insured institution headquartered at
8198 Main St, Campbellsburg, KY 40011.
It was founded in
1872 and has approximately $0 billion in assets. Customers can open an account at one of its 6 branches.
Tap into your home's equity & access the funds you need with a HELOC
Apply online or speak with a specialist
No application, origination & appraisal fees on lines up to $500K[3]
On average, access funds within 35 days[5]
Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .
Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .
Overview 2026
General Bank Information
FDIC Insured
Yes
FDIC Certificate
# 15249
Date Established
1872
Assets
$ 212.95 million
Loans
$ 169.73 million
Deposits
$ 190.21 million
Capital
$ 19.81 million
Summary Balance Sheet as of September 30, 2025
ASSETS
Cash & Balances due from depository institutions
$ 6.15 million
Interest-bearing balances
$ 1.17 million
Total securities
$ 22.23 million
Federal funds sold and reverse repurchase
$ 9.74 million
Net loans and leases
$ 169.73 million
Loan loss allowance
$ 1.65 million
Trading account assets
N.A.
Bank premises and fixed assets
N.A.
Other real estate owned
N.A.
Goodwill and other intangibles
N.A.
All other assets
$ 2.91 million
Total Assets
$ 193.14 million
LIABILITIES
Total deposits
$ 190.21 million
Interest-bearing deposits
$ 133.97 million
Deposits held in domestic offices
$ 190.21 million
% insured (estimated)"
87.09%
Federal funds purchased and repurchase agreements
N.A.
Trading liabilities
N.A.
Other borrowed funds
N.A.
Subordinated debt
N.A.
All other liabilities
$ 0.34 millionn
Total Liabilities
$ 193.14 million
Shareholders’ Equity
$ 19.81 million
Summary Income Statement as of September 30, 2025
INCOME AND EXPENSES
Total Interest Income
$ 8.82 million
Total Interest Expense
$ 2.25 million
Net interest income
$ 6.57 million
Provision for loan and lease losses
$ 0.26 million
Total non interest income
$ 0.53 million
Total non interest expense
$ 4.61 million
Pre-tax Net Operating Income
$ 0.70 million
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Branches
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