CITIZENS BANK

MOUNT VERNON, KY | Small | Est. Jan. 1, 1904, midnight | FDIC #262 | RSSD #840019 | FDIC
Latest Report: 2025-12-31

CITIZENS BANK is asn small FDIC-insured commercial bank headquartered in MOUNT VERNON, KY, established in Jan. 1, 1904, midnight. As of 2025-12-31, the bank reported total assets of $252M and total deposits of $220M. Profitability stands at 1.36% ROA and 17.36% ROE, with a net interest margin of 4.31%. The bank's CET1 capital ratio is 11.10%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.17% and a Texas Ratio of 11.54%. FDIC Certificate #262.

Assets

$252M

Deposits

$220M

Loans

$215M

Equity

$20M

Profitability

Return on Assets (ROA) 1.36%
Return on Equity (ROE) 17.36%
Net Interest Margin (NIM) 4.31%
Yield on Assets 6.62%
Cost of Funds 2.31%

Asset Quality

NPL Ratio 1.17%
Net Charge-Off Ratio 0.04%
Texas Ratio 11.54%
NPA Ratio 1.00%
ACL / Loans 1.01%

Capital & Liquidity

CET1 Ratio 11.10%
Tier 1 Capital 11.10%
Total Capital Ratio 12.33%
Leverage Ratio 7.78%
Loan-to-Deposit 97.60%

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