Bank · FDIC insured
Citizens Bank & Trust Company
Top CarrotA $383.4M bank headquartered in Campbellsville, KY, with 3 branches in Kentucky. Best rates: CDs 4.30% and savings 2.73% APY.
Citizens Bank & Trust Company Carrot Score
Carrot ScoreTop Carrot
Higher than 91% of U.S. banks and credit unions
#2 of 3 in Campbellsville, KY metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Citizens Bank & Trust Company
- Headquarters
- 201 E Main St, Campbellsville, KY 42718
- FDIC certificate
- 15675 ↗
Branches
3 branches in Kentucky
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Kentucky
3 branches
- Citizens Bank & Trust CompanyMain office201 E Main St, Campbellsville, KY 42718Directions
- Campbellsville Branch280 Campbellsville Byp, Campbellsville, KY 42718Directions
- Elmhurst Plaza Branch1307 E Broadway St, Campbellsville, KY 42718Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 13.12% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.57% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.24% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $62 | $81 | — |
- CapitalLeverage ratio13.12%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.57%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.24%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$62Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Citizens Bank & Trust Company are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.