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Citizens Bank Of Kentucky, Inc.
Paintsville, KY · FDIC Certificate #2718 · Chartered 01/0
Total assets
$669.89M
Total deposits
$570.97M
Total equity
$89.88M
Net loans
$341.56M
Branches (offices)
12
Net income (YTD)
$3.53M
Rank: #1,414 of 4,213 U.S. banks by assets · #27 of 120 in Kentucky. Assets changed -2.9% and deposits -4.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.04% |
| Return on equity | 7.92% |
| Net interest margin (YTD) | 3.57% |
| Equity to assets | 13.42% |
| Tier 1 leverage ratio | 13.51% |
| Uninsured deposits (share of deposits) | 20.0% |
| Noncurrent loans (share of loans) | 0.85% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 59.8% |
| Real estate loans (share of loans) | 90.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $307.34M | 90.0% | |
| Commercial & industrial | $30.20M | 8.8% | |
| Consumer / individual | $8.73M | 2.6% | |
| Construction & development | $18.82M | 5.5% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $760.86M | $664.30M | $2.64M | $77.09M |
| Jun 2023 | $698.94M | $617.36M | $3.16M | $74.16M |
| Jun 2024 | $668.29M | $570.47M | $2.38M | $76.67M |
| Jun 2025 | $689.84M | $598.67M | $2.97M | $82.36M |
| Jun 2026 | $669.89M | $570.97M | $3.53M | $89.88M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $570.97M | 12 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $570.97M.
Similar-sized banks
The Bank Of Southside Virginia ($670.32M) · Txn Bank ($669.16M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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