CITIZENS BANK
CITIZENS BANK is an FDIC-insured commercial bank headquartered in MOUNT VERNON, KY, established in 1904. As of , 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 4.20%. CET1 capital ratio: 11.10%, well above regulatory minimums. NPL ratio: 1.17% · Texas Ratio: 11.54%. Operates 5 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Citizens Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 11.10% | 1.36% | 1.17% | 11.54% | 4.20% |
| 2025-09-30 | 11.14% | 1.38% | 1.29% | 12.58% | 4.07% |
| 2025-06-30 | 10.97% | 1.34% | 1.06% | 11.30% | 4.00% |
| 2025-03-31 | 11.05% | 1.34% | 1.11% | 10.70% | 3.88% |
| 2024-12-31 | 10.61% | 1.27% | 1.04% | 10.51% | 3.72% |
| 2024-09-30 | 10.83% | 1.14% | 0.39% | 3.66% | 3.66% |
| 2024-06-30 | 11.08% | 0.82% | 0.42% | 3.92% | 3.61% |
| 2024-03-31 | 11.16% | 0.86% | 0.43% | 4.00% | 3.60% |
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Frequently asked about CITIZENS BANK
What are Citizens Bank's total assets?
As of the Q4 2025 filing, Citizens Bank reported total assets of $251.5 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Citizens Bank headquartered?
Citizens Bank is headquartered in MOUNT VERNON, KY, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Citizens Bank founded?
Citizens Bank was established in 1904, per the FDIC institution directory.
Is Citizens Bank FDIC-insured?
Yes. Citizens Bank is an FDIC-insured commercial bank (FDIC Certificate #262). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Bank?
Citizens Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Citizens Bank's CET1 capital ratio?
Citizens Bank reported a Common Equity Tier 1 (CET1) capital ratio of 11.10% in its most recent quarterly filing — above regulatory minimums.
How many branches does Citizens Bank operate?
Citizens Bank operates 5 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Citizens Bank's Texas Ratio?
Citizens Bank's Texas Ratio is 11.54% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.