Citizens Bank & Trust Company


Citizens Bank & Trust Company is an FDIC insured institution headquartered at 201 E Main St, Campbellsville, KY 42718.
It was founded in 1939 and has approximately $0 billion in assets. Customers can open an account at one of its 4 branches.

Deposit Rates - April 15, 2025

SAVINGS RATES APY MIN
Savings
0.25% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.35% $10,000 Compare
6 Mo CD
0.35% $100,000 Compare
12 Mo CD
0.50% $10,000 Compare
12 Mo CD
0.50% $100,000 Compare
18 Mo CD
0.60% $10,000 Compare
18 Mo CD
0.60% $100,000 Compare
24 Mo CD
0.75% $10,000 Compare
24 Mo CD
0.75% $100,000 Compare
30 Mo CD
1.00% $10,000 Compare
30 Mo CD
1.00% $100,000 Compare
36 Mo CD
1.20% $10,000 Compare
36 Mo CD
1.20% $100,000 Compare
48 Mo CD
1.35% $10,000 Compare
48 Mo CD
1.35% $100,000 Compare
60 Mo CD
1.40% $10,000 Compare
60 Mo CD
1.40% $100,000 Compare
MM RATES APY MIN
Money Market
0.15% $2,500 Compare
Money Market
0.20% $10,000 Compare
Money Market
0.20% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.15% $2,500

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 15675
Date Established 1939
Assets $ 337.78 million
Loans $ 186.61 million
Deposits $ 295.16 million
Capital $ 40.51 million

Summary Balance Sheet as of December 31, 2024

ASSETS
Cash & Balances due from depository institutions $ 16.76 million
Interest-bearing balances $ 12.49 million
Total securities $ 116.54 million
Federal funds sold and reverse repurchase $ 10.94 million
Net loans and leases $ 186.61 million
Loan loss allowance $ 3.27 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 0.78 million
All other assets $ 5.37 million
     Total Assets $ 297.27 million

LIABILITIES
Total deposits $ 295.16 million
      Interest-bearing deposits $ 232.73 million
      Deposits held in domestic offices $ 295.16 million
      % insured (estimated)" 64.56%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 1.28 millionn
      Total Liabilities $ 297.27 million
      Shareholders’ Equity $ 40.51 million

Summary Income Statement as of December 31, 2024

INCOME AND EXPENSES
Total Interest Income $ 16.16 million
Total Interest Expense $ 7.52 million
Net interest income $ 8.64 million
Provision for loan and lease losses N.A.
Total non interest income $ 1.37 million
Total non interest expense $ 6.48 million
Pre-tax Net Operating Income $ 1.89 million

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Branches

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Citizens Bank & Trust Company Locations