What is Citizens Bank & Trust Company's financial health grade?

Citizens Bank & Trust Company has a TFS Financial Health Grade of D (score: 66.1/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Citizens Bank & Trust Company have?

Citizens Bank & Trust Company has 4 branch locations across the United States.

Is Citizens Bank & Trust Company FDIC insured?

Yes, Citizens Bank & Trust Company is FDIC insured (Certificate #15675).

What are the total assets of Citizens Bank & Trust Company?

Citizens Bank & Trust Company has total assets of $376.1M as reported in its most recent FDIC filing.

Citizens Bank & Trust Company

BankCampbellsville, Kentucky

www.cbtky.com

Total Assets

$376.1M

Total Deposits

$328.1M

Branches

Established

1939

TFS Health Grade

66.1 / 100

Below average financial health

How we grade

Citizens Bank & Trust Company is a bank headquartered in Campbellsville, Kentucky, established in 1939. With $376.1M in total assets and 4 branch locations, it has a TFS Financial Health Grade of D (66.1/100).

Capital & Safety

Tier 1 Capital Ratio

13.00%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

0.20%

Profitability

Return on Assets (ROA)

1.00%(1%)

Return on Equity (ROE)

8.18%(10%)

Net Interest Margin

2.96%

Efficiency Ratio

61.42%(60%)

Lending & Liquidity

Total Loans

$199.0M

Loan-to-Deposit Ratio

59.66%

Net Charge-Off Ratio

0.01%

Growth

Asset Growth (YoY)

+11.34%

Deposit Growth (YoY)

+11.15%

Net Income

$3.6M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Citizens Bank & Trust CompanyHQ	201 E Main St	Campbellsville	KY	11
Citizens Bank & Trust Company	408 E Main St	Campbellsville	KY	21
Citizens Bank & Trust Company	1307 E Broadway St	Campbellsville	KY	11
Citizens Bank & Trust Company	280 Campbellsville Byp	Campbellsville	KY	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.