HYDEN CITIZENS BANK, INC

HYDEN, KY | Small | Est. Sept. 1, 1904, midnight | FDIC #281 | RSSD #211114 | FDIC
Latest Report: 2025-12-31

HYDEN CITIZENS BANK, INC is asn small FDIC-insured commercial bank headquartered in HYDEN, KY, established in Sept. 1, 1904, midnight. As of 2025-12-31, the bank reported total assets of $146M and total deposits of $128M. Profitability stands at 1.32% ROA and 20.50% ROE, with a net interest margin of 4.21%. The bank's CET1 capital ratio is 12.55%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.26% and a Texas Ratio of 2.03%. FDIC Certificate #281.

Assets

$146M

Deposits

$128M

Loans

$83M

Equity

$10M

Profitability

Return on Assets (ROA) 1.32%
Return on Equity (ROE) 20.50%
Net Interest Margin (NIM) 4.21%
Yield on Assets 5.59%
Cost of Funds 1.39%

Asset Quality

NPL Ratio 0.26%
Net Charge-Off Ratio 0.04%
Texas Ratio 2.03%
NPA Ratio 0.15%
ACL / Loans 0.96%

Capital & Liquidity

CET1 Ratio 12.55%
Tier 1 Capital 12.55%
Total Capital Ratio 13.29%
Leverage Ratio 9.08%
Loan-to-Deposit 64.60%

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