United Citizens B&T Co
Campbellsburg, Kentucky · FDIC Cert #15249
United Citizens B&T Co is an FDIC-insured bank (Certificate #15249) with $205M in total assets and $187M in total deposits as of the Q2 2024 Call Report. Headquartered in Campbellsburg, Kentucky, the bank maintains a Tier 1 capital ratio of 0.00% (Critically Undercapitalized) and a nonperforming loan ratio of 0.50%. BankHealthData assigns a composite Health Grade of D (44/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
United Citizens B&T Co (FDIC cert 15249) is a community bank — $205M in total assets, $187M in deposits, serving the Campbellsburg, Kentucky area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Tier 1 capital ratio is not disclosed in the most recent Call Report — unusual but possible for new institutions or those filing under specific regulatory exemptions. Asset quality is normal: non-performing loan ratio of 0.50% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is thin: 14.1% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is solid: ROA of 1.42% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. United Citizens B&T Co carries a composite BankHealth grade of D (44/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: United Citizens B&T Co
- Total Assets
- $205M
- Total Deposits
- $187M
- Tier 1 Capital Ratio
- 0.00%
- Capital Status
- Critically Undercapitalized
- Nonperforming Loans
- 0.50%
- Liquidity Ratio
- 14.09%
- Return on Assets
- 1.42%
- Headquarters
- Campbellsburg, Kentucky
- FDIC Certificate
- #15249
- Health Grade
- D (44/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, United Citizens B&T Co holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject United Citizens B&T Co to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
United Citizens B&T Co shows some financial weakness with a Health Score of 44/100. This does not mean the bank will fail, but some financial indicators are below average. Your FDIC-insured deposits (up to $250,000) are fully protected by the US government.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How United Citizens B&T Co Compares
United Citizens B&T Co’s Health Score of 44 is 28 points below the Kentucky state average of 72 across 103 FDIC-insured banks. Its 0.00% Tier 1 capital ratio is 14.0 points below the US banking industry average near 14%. The 0.50% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.42% is in line with or above the national ROA benchmark of ~1.1%. Among 1527 similarly-sized banks, the average Health Score is 69, meaning this bank ranks below its size cohort. Site-wide, United Citizens B&T Co is 26 points below the portfolio average of 70.
Frequently Asked Questions
United Citizens B&T Co has a Bank Health Score of D (44/100), placing it showing signs of financial stress. It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. United Citizens B&T Co's Tier 1 capital ratio of 0.00% and nonperforming loan ratio of 0.50% indicate an elevated risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at United Citizens B&T Co is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #15249). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
United Citizens B&T Co holds $205M in total assets and $187M in total deposits. It is headquartered in Campbellsburg, Kentucky (FDIC Certificate #15249).
United Citizens B&T Co has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.50%, and the return on assets is 1.42%.
Yes. United Citizens B&T Co is FDIC-insured (Certificate #15249). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An D grade on our Bank Health Score means 40-54/100 — multiple metrics showing stress; worth monitoring. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
United Citizens B&T Co shows financial stress on one or more metrics. While insured deposits remain protected up to $250K per depositor per ownership category, depositors with higher balances may want to spread funds across additional FDIC-insured institutions. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.