BlastPoint's Banking Scorecard
United Citizens Bank & Trust Company
Micro
Specialty: Commercial
KY
FDIC cert 15249
Designations: ✓ Community bank
Campbellsburg, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
United Citizens Bank & Trust Company faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 1.27% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$219.8M
+6.3% YoY
+3.2% QoQ
|
+$2.3M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
56% |
| Total Loans ? |
$176.8M
+9.2% YoY
+4.2% QoQ
|
+$37.6M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
68% |
| Total Deposits ? |
$193.6M
+6.2% YoY
+1.8% QoQ
|
+$9.9M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
58% |
| Return on Assets ? |
1.12%
-4.5% YoY
+3.3% QoQ
|
+0.03% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
53% |
| Net Interest Margin ? |
4.41%
+7.3% YoY
+1.1% QoQ
|
+0.56% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
76% |
| Efficiency Ratio ? |
65.43%
+4.3% YoY
+0.8% QoQ
|
-2.30% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
52% |
| Delinquency Rate ? |
2.14%
+235.1% YoY
+4.4% QoQ
|
+1.50% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
Bottom 12% in tier |
| Loan-to-Deposit Ratio ? |
91.34%
+2.8% YoY
+2.4% QoQ
|
+16.82% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
30.05%
+0.7% YoY
+1.6% QoQ
|
+7.66% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
79% |
| Nonperforming Asset Ratio ? |
1.72%
+244.3% YoY
+5.4% QoQ
|
+1.27% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 9% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.32%
-22.3% YoY
+26.1% QoQ
|
-0.25% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
43% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Nonperforming Asset Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
1.72%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
79
79th pctile
Non-Interest-Bearing Deposit Share
Current: 30.05% · Tier avg: 22.39%
76
76th pctile
Net Interest Margin
Current: 4.41% · Tier avg: 3.85%
68
68th pctile
Total Loans
Current: $176.8M · Tier avg: $139.2M
58
58th pctile
Total Deposits
Current: $193.6M · Tier avg: $183.7M
56
56th pctile
Total Assets
Current: $219.8M · Tier avg: $217.5M
53
53th pctile
Return on Assets
Current: 1.12% · Tier avg: 1.08%
52
52th pctile
Efficiency Ratio
Current: 65.43% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
43
43th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.56%
20
20th pctile
Loan-to-Deposit Ratio
Current: 91.34% · Tier avg: 74.53%
12
12th pctile
Delinquency Rate
Current: 2.14% · Tier avg: 0.64%
9
9th pctile
Nonperforming Asset Ratio
Current: 1.72% · Tier avg: 0.45%
Top Weaknesses
9
9th pctile
Nonperforming Asset Ratio
Current: 1.72% · Tier avg: 0.45%
12
12th pctile
Delinquency Rate
Current: 2.14% · Tier avg: 0.64%
20
20th pctile
Loan-to-Deposit Ratio
Current: 91.34% · Tier avg: 74.53%
43
43th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Efficiency Ratio
Current: 65.43% · Tier avg: 67.73%
53
53th pctile
Return on Assets
Current: 1.12% · Tier avg: 1.08%
56
56th pctile
Total Assets
Current: $219.8M · Tier avg: $217.5M
58
58th pctile
Total Deposits
Current: $193.6M · Tier avg: $183.7M
68
68th pctile
Total Loans
Current: $176.8M · Tier avg: $139.2M
76
76th pctile
Net Interest Margin
Current: 4.41% · Tier avg: 3.85%
79
79th pctile
Non-Interest-Bearing Deposit Share
Current: 30.05% · Tier avg: 22.39%