CITIZENS BANK OF KENTUCKY, INC is an 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 3.30%. CET1 capital ratio: 23.39%, well above regulatory minimums. NPL ratio: 0.72% · Texas Ratio: 2.69%. Operates 12 domestic branches.
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