The Citizens Bank (Morehead, KY): Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
The Citizens Bank is one of the more profitable banks of its size. Its balance sheet stood at $229 million at June 30, 2026, up 1.1% from a year earlier; it is based in Morehead, Kentucky. It returns 25.3% a year on shareholders' equity, about double the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. It also pays an average of 0.72% on its deposits and borrowings, about a third the median of 1.80% for banks its size. A wide margin does most of the work: it keeps 4.78 cents of net interest income on every dollar of earning assets.
Net income for the quarter rose 16% from a year earlier, to $1.2 million. Over the same year, loans grew 5.7% and deposits shrank 0.7%. Where it has less room is capital: it funds 8.72% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.99%).
As of June 30, 2026, The Citizens Bank reported a CET1 capital ratio of 16.04%, a return on assets of 2.08%, a nonperforming-loan ratio of 0.06% and a Texas ratio of 0.50%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 114 W Main St, Morehead, KY 40351
- County
- Rowan
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 28, 1928
- Offices
- 5 domestic
- Employees (FTE)
- 50
- Domestic deposits
- $181.9M
- Allowance for credit losses
- $1.5M
- Net charge-offs (YTD)
- $47K
- Average total assets
- $231.9M
- Average total loans
- $150.4M
- Average interest-bearing deposits
- $129.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10520
- Fed RSSD
- 962313
- Website
- www.tcbanytime.com →
- Parent Holding Company
- CITIZENS BANCORP OF MOREHEAD INCORPORATED, THE (RSSD 1071865)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The Citizens Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock The Citizens Bank, freeThe Citizens Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
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 |
|---|---|---|---|---|---|
| Q2 2026 | 16.04% | 2.08% | 0.06% | 0.50% | 4.78% |
| Q1 2026 | 16.35% | 2.20% | 0.07% | 0.52% | 4.79% |
| Q4 2025 | 15.53% | 2.13% | 0.03% | 0.23% | 4.74% |
| Q3 2025 | 15.20% | 2.14% | 0.03% | 0.24% | 4.82% |
| Q2 2025 | 14.75% | 1.84% | 0.33% | 2.95% | 4.64% |
| Q1 2025 | 14.96% | 1.75% | 0.35% | 3.19% | 4.58% |
| Q4 2024 | 14.19% | 0.28% | 0.08% | 0.76% | 4.72% |
| Q3 2024 | 14.47% | 1.91% | 0.07% | 0.67% | 4.75% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 5 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Citizens Bank | Morehead , KY | 40351 | $104.4M |
| Main Street Branch | Owingsville , KY | 40360 | $29.8M |
| Citizens Bank Branch | Sharpsburg , KY | 40374 | $24.8M |
| Trademore Branch | Morehead , KY | 40351 | $13.3M |
| West Liberty Branch | West Liberty , KY | 41472 | $9.5M |
Regulatory record
What the public regulatory sources show for The Citizens Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in KY, rank 101 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $812K approved, $406K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2015 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The Citizens Bank
What are The Citizens Bank's total assets?
As of the Q2 2026 filing, The Citizens Bank reported total assets of $228.6 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Citizens Bank headquartered?
The Citizens Bank is headquartered in Morehead, KY, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was The Citizens Bank founded?
The Citizens Bank was established in 1928, per the FDIC institution directory.
Is The Citizens Bank FDIC-insured?
Yes. The Citizens Bank is an FDIC-insured commercial bank (FDIC Certificate #10520). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Citizens Bank?
The 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 The Citizens Bank's CET1 capital ratio?
The Citizens Bank reported a Common Equity Tier 1 (CET1) capital ratio of 16.04% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Citizens Bank operate?
The Citizens Bank operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Citizens Bank's Texas Ratio?
The Citizens Bank's Texas Ratio is 0.50% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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