CITIZENS BANK, THE

MOREHEAD, KY | Small | Est. Sept. 28, 1928, midnight | FDIC #10520 | RSSD #962313 | FDIC
Latest Report: 2025-12-31

CITIZENS BANK, THE is asn small FDIC-insured commercial bank headquartered in MOREHEAD, KY, established in Sept. 28, 1928, midnight. As of 2025-12-31, the bank reported total assets of $232M and total deposits of $177M. Profitability stands at 2.19% ROA and 28.25% ROE, with a net interest margin of 5.04%. The bank's CET1 capital ratio is 15.53%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.03% and a Texas Ratio of 0.21%. FDIC Certificate #10520.

Assets

$232M

Deposits

$177M

Loans

$147M

Equity

$18M

Profitability

Return on Assets (ROA) 2.19%
Return on Equity (ROE) 28.25%
Net Interest Margin (NIM) 5.04%
Yield on Assets 5.85%
Cost of Funds 0.96%

Asset Quality

NPL Ratio 0.03%
Net Charge-Off Ratio 0.07%
Texas Ratio 0.21%
NPA Ratio 0.02%
ACL / Loans 1.00%

Capital & Liquidity

CET1 Ratio 15.53%
Tier 1 Capital 15.53%
Total Capital Ratio 16.75%
Leverage Ratio 8.07%
Loan-to-Deposit 83.42%

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