CITIZENS BANK & TRUST COMPANY

CAMPBELLSVILLE, KY | Small | Est. Jan. 1, 1939, midnight | FDIC #15675 | RSSD #829041 | FDIC
Latest Report: 2025-12-31

CITIZENS BANK & TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in CAMPBELLSVILLE, KY, established in Jan. 1, 1939, midnight. As of 2025-12-31, the bank reported total assets of $376M and total deposits of $328M. Profitability stands at 0.90% ROA and 7.29% ROE, with a net interest margin of 2.93%. The bank's CET1 capital ratio is 12.06%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.18% and a Texas Ratio of 0.72%. FDIC Certificate #15675.

Assets

$376M

Deposits

$328M

Loans

$199M

Equity

$46M

Profitability

Return on Assets (ROA) 0.90%
Return on Equity (ROE) 7.29%
Net Interest Margin (NIM) 2.93%
Yield on Assets 5.20%
Cost of Funds 2.40%

Asset Quality

NPL Ratio 0.18%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.72%
NPA Ratio 0.09%
ACL / Loans 1.63%

Capital & Liquidity

CET1 Ratio 12.06%
Tier 1 Capital 12.06%
Total Capital Ratio 12.67%
Leverage Ratio 13.00%
Loan-to-Deposit 60.65%

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