United Citizens Bank & Trust Company
Total assets
$219.3M
▲ +4.3% YoY
Deposits
$197.5M
▲ +4.6% YoY
Loans
$175.9M
▲ +4.5% YoY
Offices
7
UNITED CITIZENS FINANCIAL CORP
ROA (annualized)
1.05%
peers 1.24%
ROE (annualized)
11.29%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +4.4% | -0.1 pts |
| Deposit growth (YoY) | +4.6% | +4.0% | +0.6 pts |
| Loan growth (YoY) | +4.5% | +5.6% | -1.1 pts |
| ROA | 1.05% | 1.24% | -0.2 pts |
| ROE | 11.3% | 11.9% | -0.6 pts |
ROA ranks in the 38th percentile of its peer group · Q2 2026
Profile
- Established
- 1872
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- UNITED CITIZENS FINANCIAL CORP
- Specialization
- Commercial Lending Specialization
- Address
- 8198 Main St, Campbellsburg, KY, 40011
- County
- Henry
- Metro area
- Louisville-Jefferson County, KY-IN
- Offices
- 7
- FDIC cert #
- 15249
- RSSD ID
- 336147
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $219.3M | $197.5M | $175.9M | $21.0M | $1.2M | 1.05% | 4.57% | 1.45% |
| Q1 2026 | $226.4M | $199.7M | $177.3M | $20.7M | $521K | 0.93% | 4.46% | 1.75% |
| Q4 2025 | $219.8M | $193.6M | $176.8M | $20.1M | $2.4M | 1.12% | 4.41% | 1.72% |
| Q3 2025 | $213.0M | $190.2M | $169.7M | $19.8M | $1.7M | 1.08% | 4.36% | 1.63% |
| Q2 2025 | $210.3M | $188.8M | $168.3M | $18.8M | $1.1M | 1.02% | 4.32% | 1.32% |
| Q1 2025 | $210.7M | $187.4M | $167.1M | $18.4M | $483K | 0.93% | 4.25% | 0.89% |
| Q4 2024 | $206.8M | $182.3M | $161.9M | $17.8M | $2.4M | 1.17% | 4.11% | 0.50% |
| Q3 2024 | $204.1M | $185.4M | $156.1M | $17.9M | $1.7M | 1.11% | 4.02% | 0.67% |
Loan mix (Q2 2026): real estate $168.2M · commercial $4.1M · consumer $2.0M · securities $18.7M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.05% | 1.24% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 11.3% | 11.9% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.57% | 3.96% | 81th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.9% | 62.9% | 68th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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