CITIZENS BANK, THE

HICKMAN, KY | Small | Est. Jan. 1, 1930, midnight | FDIC #9306 | RSSD #617145 | FDIC
Latest Report: 2025-12-31

CITIZENS BANK, THE is asn small FDIC-insured commercial bank headquartered in HICKMAN, KY, established in Jan. 1, 1930, midnight. As of 2025-12-31, the bank reported total assets of $221M and total deposits of $194M. Profitability stands at 1.75% ROA and 15.85% ROE, with a net interest margin of 4.00%. The bank's CET1 capital ratio is 10.96%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.04% and a Texas Ratio of 0.25%. FDIC Certificate #9306.

Assets

$221M

Deposits

$194M

Loans

$160M

Equity

$25M

Profitability

Return on Assets (ROA) 1.75%
Return on Equity (ROE) 15.85%
Net Interest Margin (NIM) 4.00%
Yield on Assets 6.15%
Cost of Funds 2.24%

Asset Quality

NPL Ratio 0.04%
Net Charge-Off Ratio 0.07%
Texas Ratio 0.25%
NPA Ratio 0.03%
ACL / Loans 1.09%

Capital & Liquidity

CET1 Ratio 10.96%
Tier 1 Capital 10.96%
Total Capital Ratio 11.51%
Leverage Ratio 12.26%
Loan-to-Deposit 82.29%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required