United Citizens Bank & Tr Co

What United Citizens Bank & Tr Co does

United Citizens Bank & Trust Company is a privately held community bank chartered in Kentucky, headquartered in Campbellsburg, with origins tracing to the 1872 incorporation of the Bank of New Castle. Following a 1975 merger of Citizens Bank and United Farmers Bank, the institution now operates seven branches across Henry, Oldham, Carroll, and Owen counties in Kentucky, serving individual consumers, small-to-medium local businesses, and agricultural customers. The product portfolio spans deposit products (five personal checking tiers including Absolutely Free, Easy Interest, 50 Plus, Premium Interest, Money Market; savings, CDs, IRAs, HSAs), three business checking tiers, and a full lending suite (agricultural loans via USDA FSA and KY Ag Finance partnerships, home mortgages, construction loans, HELOC, personal loans, cash-out refinance).

The technology platform consists of conventional community-bank tooling rather than proprietary systems: a web-based UCOnline banking portal (hosted at unitedcitizensbank.myebanking.net), the UCMobile iOS/Android application, a 24/7 Anytime Banker telephone banking IVR, and mobile check deposit (capped at $2,500 daily for consumers and $10,000 for businesses). Back-office and ancillary services include ACH origination, business cash management, merchant card services through BancCard, and check ordering through Deluxe. No public APIs, SDKs, or developer-facing integrations are disclosed. Digital infrastructure is functional but follows standard community-bank conventions rather than differentiated technology.

Revenue is generated primarily through net interest income on the lending portfolio (agricultural, mortgage, consumer, business) supplemented by transaction and account fees — including monthly service charges on balance-deficient accounts ($6/month on Premium Interest Checking, $6 on Business Interest Checking, $15 on Commercial Checking), per-transaction fees (15 cents per commercial item), overdraft and stop payment fees, and ancillary services. Distribution is rooted in physical branches supplemented by digital self-service channels and a 24/7 ATM network spanning STAR, CIRRUS, MASTERCARD, PLUS, and VISA. Go-to-market emphasizes local decision-making (advertised loan decisions possible in one hour or less) and relationship banking, with active community sponsorships and a multi-county scholarship program functioning as grassroots brand-building. The bank is governed by a Board including members of the Brent founding family, with Matthew Brent serving as the current CEO.

Name

United Citizens Bank & Tr Co

Legal name

United Citizens Bank & Trust Company

Website

https://unitedcitizensbank.com

Company type

Private

Founded year

1872

Operating status

Operating

Headcount range

51–100 employees

Short description

United Citizens Bank & Trust Company is a privately held Kentucky community bank operating seven branches across Henry, Oldham, Carroll, and Owen counties since 1872, providing personal banking, small-business accounts, agricultural loans, mortgages, and digital banking to rural consumers, local businesses, and farmers.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022)

akta.pro industry

PRIMARYFSABAAAA

Mass-Market Consumer Deposit Banking (Checking/Savings)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Retail Banking

SECONDARYFSABABAC

SME Deposits & Business Accounts (Operating, Savings, CDs)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Commercial Banking (SME & Middle Market)

Keywords

• Community banking services
• Agricultural lending
• Consumer deposit accounts
• Commercial lending products
• Digital banking platform

Headquarters

HQ city

Campbellsburg

HQ country

United States

HQ region

North America

Offices7 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Interest Income: Primary revenue source from lending activities including agricultural loans, home mortgages, construction loans, personal loans, business loans, and home equity lines of credit. The bank offers both fixed and adjustable rate products.
2. Business Checking Account Fees: Monthly service charges apply to certain business checking accounts (Commercial Checking $15/month, Business Interest Checking $6/month if balance below $5,000). Transaction fees of 15 cents per item for commercial accounts.
3. Consumer Account Fees: Monthly service charges on certain checking and savings accounts when minimum balance requirements are not met. Savings accounts charge fees if average balance of $100 is not maintained.
4. Deposit Account Services: Revenue from overdraft protection transfers, stop payment fees, cashier's check fees (free for Citizens Club account holders), and other ancillary banking services.
5. Cash Management Services: ACH origination services for payroll direct deposit and recurring billing payments generate per-item fees. Merchant card services through partner BancCard.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels9 records

Core offering

United Citizens Bank & Trust is a community bank offering consumer and business deposit products (checking, savings, CDs, IRAs, money market), a full lending suite (agricultural, home mortgage, construction, HELOC, cash-out refinance, personal, commercial), debit Mastercard, and digital banking channels. Services are delivered through seven Kentucky branches, UCOnline web banking, UCMobile apps, Anytime Banker telephone banking, and an ATM network. Specialized agricultural lending is delivered in partnership with USDA FSA and Kentucky Ag Finance Corporation.

Product overview

United Citizens Bank & Trust is a community bank offering a comprehensive suite of financial products and digital banking services. The core product portfolio spans personal and business deposit accounts (checking, savings, CDs, IRAs, money market), lending products (agricultural, home mortgage, construction, HELOC, personal, cash-out refinance), and card services (debit Mastercard). Digital banking is delivered through UCOnline (desktop web platform) and UCBMobile App (iOS/Android), supplemented by Anytime Banker (telephone banking) and Mobile Check Deposit. Additional services include ACH origination, check ordering, safe deposit boxes, and business credit cards. The bank serves agricultural customers through specialized loan programs in partnership with USDA FSA and KY Ag Finance Corporation.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Accounts Tiered personal checking products including Absolutely Free Checking (no minimum balance, no monthly service charge, first box of standard checks free, $50 to open), Easy Interest Checking (interest-bearing with direct deposit or automatic payment), 50 Plus Interest Checking (for customers 50+, free standard checks), Premium Interest Checking ($1,500 minimum balance to avoid $6 monthly fee), and Money Market ($2,500 minimum to open). For individual consumers in the bank's Kentucky communities.
• Business Checking Accounts

Quantifiable outcome

• Loan decisions possible in one hour or less for simple applications

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature4 records

Partnerships

Three partnerships are on record, tiered core and minor.

• USDA Farm Service Agency (FSA)coreStrategic or Co-development PartnerPartnership providing beginning farmer loans, 90% guaranteed loans, farm ownership loans, operating loans, down payment programs, and joint financing options for agricultural customers. Addresses capital access limitations for beginning and underserved farmers.
• Kentucky Ag Finance CorporationcoreStrategic or Co-development PartnerPartnership offering agricultural infrastructure loans, beginning farmer programs, diversification through entrepreneurship in agribusiness, large animal veterinary loans, and agricultural processing financing.
• DeluxeminorChannel Partner/ Reseller/ DistributorCheck ordering partner providing personal and business check printing services through the bank's website.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Stock Yards Bank & Trust: Kentucky-headquartered community bank offering consumer, business, and wealth management banking across multiple regions. Comparable to UCB in product breadth and community orientation, though significantly larger in scale and geographic reach.
• Republic Bank & Trust Company: Louisville, KY-based community bank delivering consumer and business banking, mortgages, and treasury services. Comparable in core deposit/lending products to UCB but operates at substantially larger scale with broader Kentucky footprint.
• Central Bank & Trust (Central Bancshares): Lexington, KY-based community bank providing consumer, business, and wealth services throughout Kentucky. Comparable product offerings to UCB though larger scale and broader metro presence.
• Community Trust Bank: Kentucky-headquartered community bank with broad statewide footprint offering consumer, business, and wealth services. Comparable in product breadth to UCB but operates at materially larger scale.

Direct peers

• Forcht Bank: Kentucky community bank with branch network across central and northern Kentucky serving consumers and small businesses. Most comparable to UCB in geographic overlap, rural/community orientation, and similar product suite.
• Independence Bank: Kentucky community bank operating across multiple rural and suburban counties with similar consumer/business/agricultural lending emphasis. Closely mirrors UCB's community-bank operating model and target segments.
• Town & Country Bank and Trust (Kentucky): Small Kentucky community bank focused on consumer and small business banking within rural markets. Highly comparable to UCB in branch footprint, target customer base, and product offering.
• South Central Bank: Kentucky community bank with branch network across central Kentucky providing similar consumer, business, and ag-related lending. Closely comparable in operating model and customer segments to UCB.
• Heritage Bank (Kentucky): Kentucky community bank serving consumer and small business customers in rural and suburban markets. Similar branch scale and product mix to UCB, making it a directly comparable community-bank peer.

Regional players

• PBTC Bank Corp (The Paducah Bank): Western Kentucky community bank serving consumer and business clients. Comparable community-bank model and rural Kentucky positioning though operating in a different region of the state.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/UCBank
• Facebookfacebook.com/UnitedCitizensBank
• LinkedInlinkedin.com/company/64533519
• Instagraminstagram.com/unitedcitizensbanktrust

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about United Citizens Bank & Tr Co