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Citizens Bank & Trust Company KY

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Citizens Bank & Trust Company KY Rates & Review April 2026

Item: Citizens Bank & Trust Company KY
Rating: 4414
Author: rKhE

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 23, 2026

You can compare Citizens Bank & Trust Company KY rates to other rates in our database, including 12-month CD rates currently at 3.70%, 6-month CD rates at 0.20% and 3-month CD rates at 0.66%. Savings rates are at 0.20% and money market rates are at 0.35%. Mortgage rates on 30-year fixed loans are around 5.99%. All these rates can be compared to Citizens Bank & Trust Company KY rates. MonitorBankRates evaluates the financial stability of Citizens Bank & Trust Company KY with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.37%. Rates were last updated on 04/23/2026.

Citizens Bank & Trust Company KY money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Citizens Bank & Trust Company KY? Share your experience about Citizens Bank & Trust Company KY by leaving a review below, or read customer reviews before you decide to use Citizens Bank & Trust Company KY.

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.37%

Excellent Lower than avg

Citizens Bank & Trust Company KY

201 E Main St
Campbellsville, KY 42718

https://www.cbtky.com

Current Rate Availability

We do not have Citizens Bank & Trust Company KY rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Citizens Bank & Trust Company KY is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Citizens Bank & Trust Company KY rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Citizens Bank & Trust Company KY's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Citizens Bank & Trust Company KY

Bank Holding Company FIRST BCORP INC

Address 201 E Main St, Campbellsville, KY 42718 · Taylor

Website https://www.cbtky.com

FDIC Certificate # 15675

Established 01/01/1939

FDIC Insurance Date 07/22/1939

Domestic Offices 4

Total Branches 4

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.37%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.8946%

Return on Equity (ROE) 7.6700%

Non-Performing Loans (NPL) 0.03%

Total Assets $376,087,000

Total Deposits $328,076,000

Equity Capital $45,990,000

Net Income $3,553,000

Headquarters Campbellsville

Total Offices 4

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

rKhE

★★★★★

December 17, 2025

yzSe

Average Rating

★★★★★

Total Reviews

Add Your Rating and Review for Citizens Bank & Trust Company KY

Frequently Asked Questions About Citizens Bank & Trust Company KY

Is Citizens Bank & Trust Company KY a safe place to deposit money?

Yes, Citizens Bank & Trust Company KY is considered a safe financial institution. With a Texas Ratio of 0.36515091002453%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Citizens Bank & Trust Company KY operate?

Citizens Bank & Trust Company KY currently maintains approximately 4 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Citizens Bank & Trust Company KY does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Citizens Bank & Trust Company KY provides members with tools to manage their accounts and build a solid financial history.

Does Citizens Bank & Trust Company KY offer online and mobile banking?

Most modern institutions like Citizens Bank & Trust Company KY provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.cbtky.com.