CITIZENS BANK & TRUST CO. OF JACKSON

JACKSON, KY | Small | Est. Nov. 17, 1962, midnight | FDIC #18620 | RSSD #765318 | FDIC
Latest Report: 2025-12-31

CITIZENS BANK & TRUST CO. OF JACKSON is asn small FDIC-insured commercial bank headquartered in JACKSON, KY, established in Nov. 17, 1962, midnight. As of 2025-12-31, the bank reported total assets of $213M and total deposits of $189M. Profitability stands at 1.69% ROA and 15.53% ROE, with a net interest margin of 4.65%. The bank's CET1 capital ratio is 14.78%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.54% and a Texas Ratio of 7.02%. FDIC Certificate #18620.

Assets

$213M

Deposits

$189M

Loans

$157M

Equity

$23M

Profitability

Return on Assets (ROA) 1.69%
Return on Equity (ROE) 15.53%
Net Interest Margin (NIM) 4.65%
Yield on Assets 6.34%
Cost of Funds 1.76%

Asset Quality

NPL Ratio 0.54%
Net Charge-Off Ratio 0.07%
Texas Ratio 7.02%
NPA Ratio 0.83%
ACL / Loans 1.32%

Capital & Liquidity

CET1 Ratio 14.78%
Tier 1 Capital 14.78%
Total Capital Ratio 16.03%
Leverage Ratio 10.08%
Loan-to-Deposit 83.11%

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