CITIZENS BANK OF KENTUCKY, INC

PAINTSVILLE, KY | Medium | Est. Jan. 1, 1910, midnight | FDIC #2718 | RSSD #495419 | FED
Latest Report: 2025-12-31

CITIZENS BANK OF KENTUCKY, INC is amn medium FDIC-insured commercial bank headquartered in PAINTSVILLE, KY, established in Jan. 1, 1910, midnight. As of 2025-12-31, the bank reported total assets of $689M and total deposits of $591M. Profitability stands at 1.03% ROA and 8.21% ROE, with a net interest margin of 3.40%. The bank's CET1 capital ratio is 23.39%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.72% and a Texas Ratio of 2.69%. FDIC Certificate #2718.

Assets

$689M

Deposits

$591M

Loans

$337M

Equity

$89M

Profitability

Return on Assets (ROA) 1.03%
Return on Equity (ROE) 8.21%
Net Interest Margin (NIM) 3.40%
Yield on Assets 4.70%
Cost of Funds 1.39%

Asset Quality

NPL Ratio 0.72%
Net Charge-Off Ratio 0.01%
Texas Ratio 2.69%
NPA Ratio 0.37%
ACL / Loans 1.46%

Capital & Liquidity

CET1 Ratio 23.39%
Tier 1 Capital 23.39%
Total Capital Ratio 24.64%
Leverage Ratio 12.83%
Loan-to-Deposit 56.94%

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