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Hyden Citizens Bank
Hyden, KY · FDIC Certificate #281 · Chartered 09/0
Total assets
$148.62M
Total deposits
$134.82M
Total equity
$9.91M
Net loans
$81.19M
Branches (offices)
4
Net income (YTD)
$1.15M
Rank: #3,316 of 4,213 U.S. banks by assets · #96 of 120 in Kentucky. Assets changed 3.3% and deposits 1.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.57% |
| Return on equity | 23.73% |
| Net interest margin (YTD) | 4.22% |
| Equity to assets | 6.67% |
| Tier 1 leverage ratio | 9.18% |
| Uninsured deposits (share of deposits) | 18.6% |
| Noncurrent loans (share of loans) | 0.54% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 60.2% |
| Real estate loans (share of loans) | 82.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $67.18M | 82.7% | |
| Commercial & industrial | $4.19M | 5.2% | |
| Consumer / individual | $5.00M | 6.2% | |
| Construction & development | $15.23M | 18.8% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $144.51M | $129.53M | $684.00K | $7.29M |
| Jun 2023 | $142.71M | $130.25M | $691.00K | $5.45M |
| Jun 2024 | $142.82M | $129.84M | $343.00K | $6.42M |
| Jun 2025 | $143.84M | $132.32M | $684.00K | $8.26M |
| Jun 2026 | $148.62M | $134.82M | $1.15M | $9.91M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $134.82M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $134.82M.
Similar-sized banks
Carmine State Bank ($148.75M) · Peoples Bank Of Wyaconda, Missouri ($148.46M)
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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