United Citizens B&T Co (FDIC #15249): Bank Stress & Real-Estate Credit Exposure
United Citizens B&T Co (FDIC Cert #15249): bank stress 71/100, elevated, STABLE over 7 days; parent UNITED CITIZENS FINANCIAL CORP.
United Citizens B&T Co (#15249) lends in 4 counties across 1 state; United Citizens B&T Co (#15249) reaches 36 ZIP codes: Kentucky 4 counties, 36 ZIPs.
United Citizens B&T Co (#15249) largest markets: Henry County, KY (52 branches, 13 ZIPs) (#15249), Oldham County, KY (11 branches, 11 ZIPs) (#15249), Owen County, KY (11 branches, 11 ZIPs) (#15249), Carroll County, KY (8 branches, 8 ZIPs) (#15249).
United Citizens B&T Co (#15249) reports $219.3 million in total assets; United Citizens B&T Co (#15249) equity $21.0 million (9.6% of United Citizens B&T Co (#15249) assets); United Citizens B&T Co (#15249) domestic deposits $197.5 million; United Citizens B&T Co (#15249) net income $1.2 million; United Citizens B&T Co (#15249) return on assets 1.05%; United Citizens B&T Co (#15249) return on equity 11.29%; United Citizens B&T Co (#15249) net interest income $4.8 million; United Citizens B&T Co (#15249) call report June 30, 2026.
United Citizens B&T Co (#15249) noncurrent real-estate loans: none reported; United Citizens B&T Co (#15249) net charge-offs on real estate 1.85%; United Citizens B&T Co (#15249) residential charge-offs 3.46%.
United Citizens B&T Co (#15249) net interest margin 4.57% against an eight-quarter United Citizens B&T Co (#15249) average of 4.31% (United Citizens B&T Co (#15249) compression -0.26 points); United Citizens B&T Co (#15249) non-residential real estate 345.8% of equity; United Citizens B&T Co (#15249) rate-exposure score 40/100, United Citizens B&T Co (#15249) fixed-rate trap 40/100; United Citizens B&T Co (#15249) risk type credit driven; United Citizens B&T Co (#15249) rate regime rates elevated, United Citizens B&T Co (#15249) snapshot October 20, 2026.
United Citizens B&T Co (#15249) stress score moved from 73.4 on June 22, 2026 to 71.1 on October 20, 2026; United Citizens B&T Co (#15249) ranged 71.1 to 73.4 over 117 snapshots.
United Citizens B&T Co (#15249) alerts: 4 counties; top United Citizens B&T Co (#15249) alert scores: Buckner County, KY 23 (low); Carrollton County, KY 23 (low); Owenton County, KY 23 (low); Smithfield County, KY 23 (low).