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
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