{
  "slug": "united-citizens-bank-and-trust-company",
  "name": "United Citizens Bank & Trust Company",
  "shortName": "United Citizens Bank & Trust Company",
  "type": "bank",
  "fdicCert": "15249",
  "website": "https://www.unitedcitizensbank.com",
  "hqCity": "Campbellsburg",
  "hqState": "KY",
  "totalAssets": 226433,
  "totalAssetsUnit": "thousands-usd",
  "description": "FDIC-insured bank headquartered in Campbellsburg, KY.",
  "profileSourceName": "FDIC BankFind Suite",
  "profileSourceUrl": "https://banks.data.fdic.gov/api/institutions?filters=CERT:15249&format=json",
  "profileLastVerified": "2026-06-28",
  "websiteDomain": "unitedcitizensbank.com",
  "indexableRoutingCount": 0,
  "verifiedRoutingEvidenceCount": 0,
  "routingLookupEvidenceCount": 0,
  "routingStateCoverage": [
    "KY"
  ],
  "routingNumbers": [
    {
      "number": "083905685",
      "kind": "ach",
      "transferTypes": [
        "ACH",
        "domestic wire"
      ],
      "label": "United Citizens Bank & Trust Company unverified routing candidate",
      "state": "KY",
      "verificationStatus": "unverified",
      "statusNote": "5 public candidate source families mention this routing number, but matched-bank support is below the cross-checked threshold and fin.codes has not verified it against an official bank source.",
      "sourceName": "moov-io/fed FedACH snapshot",
      "sourceUrl": "https://github.com/moov-io/fed",
      "lastReviewed": "2026-06-28"
    }
  ],
  "relatedBanks": [
    "1st-trust-bank-inc",
    "abound",
    "advanz",
    "american-bank-and-trust-company-inc"
  ],
  "lastVerified": "2026-06-28",
  "dataScore": {
    "value": 59,
    "grade": "profile-only",
    "label": "Profile only",
    "summary": "Profile only: has only unverified routing candidates. The score reflects source depth and confidence, not bank safety or product quality.",
    "components": [
      {
        "id": "profile",
        "label": "Profile facts",
        "value": 83,
        "description": "Regulator/source profile includes headquarters plus useful public institution facts."
      },
      {
        "id": "routing",
        "label": "Routing confidence",
        "value": 39,
        "description": "1 noindex unverified routing candidate published for transparency."
      },
      {
        "id": "review",
        "label": "Review coverage",
        "value": 72,
        "description": "1 routing candidate cleared by automated review."
      },
      {
        "id": "freshness",
        "label": "Freshness",
        "value": 100,
        "description": "Profile and routing source dates are recent for this build."
      }
    ],
    "reviewSignals": {
      "automatedReviewedCandidates": 1,
      "humanReviewedCandidates": 0,
      "manualReviewCandidates": 0
    },
    "factors": [
      "Regulator or official profile source",
      "FDIC certificate linked",
      "1 unverified routing candidate",
      "1 auto-reviewed routing candidate",
      "Recently reviewed source dates"
    ]
  },
  "routingProof": {
    "value": 24,
    "grade": "unconfirmed",
    "label": "Unconfirmed"
  }
}