United Citizens Bank & Trust Company: how it compares with its peers
Against 55 KY banks with half to twice its assets, United Citizens Bank & Trust Company's strongest measure in Q2 2026 is net interest margin (4.57% vs. a 4.08% peer median). Its weakest relative measure is assets per employee ($4.0M vs. $5.9M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.05% | 1.46% | Bottom third Ahead of 33% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.57% | 4.08% | Top third Ahead of 78% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 69.91% | 59.55% | Bottom third Ahead of 25% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.0M | $5.9M | Bottom third Ahead of 4% of peers |
| Loans to deposits Net loans and leases over total deposits. | 89.09% | 79.88% | Context |
What it means for lending operations
Its efficiency ratio of 69.91% is above the 59.55% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The Citizens Bank Hickman, KY · $220M
- Citizens Bank & Trust Co. of Jackson Jackson, KY · $217M
- Commercial Bank West Liberty, KY · $216M
- The Citizens Bank Morehead, KY · $229M
- The First National Bank of Manchester Manchester, KY · $230M
- Century Bank of Kentucky, Inc. Lawrenceburg, KY · $208M
Questions about United Citizens Bank & Trust Company
How big is United Citizens Bank & Trust Company?
United Citizens Bank & Trust Company, established in 1872, is headquartered in Campbellsburg, KY. It reported $219M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is United Citizens Bank & Trust Company's return on assets?
1.05% annualized in Q2 2026, against a 1.46% median for 55 KY banks with half to twice its assets, ahead of 33% of them.
What is United Citizens Bank & Trust Company's efficiency ratio?
69.91% in Q2 2026: it spent about 70 cents in noninterest expense for each dollar of revenue. The peer median is 59.55%, and lower is better.
Is United Citizens Bank & Trust Company growing its loans?
Net loans grew 4.5% over the year to Q2 2026, while deposits grew 4.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kentucky bank ranked.