Citizens Bank (Mount Vernon, KY)
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Data as of · sourced from FFIEC call reports. How we update
Citizens Bank is an FDIC-insured commercial bank headquartered in Mount Vernon, KY, established in 1904 (FDIC certificate 262), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $250.4M, up 3.1% from Q2 2025, the 69th largest of 120 banks headquartered in Kentucky. Its CET1 capital ratio was 11.68% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 262
- Headquarters
- Mount Vernon, KY
- Established
- 1904
- Total assets, Q2 2026
- $250.4M
- Assets vs Q2 2025
- +3.1%
- CET1 ratio, Q2 2026
- 11.68%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 042104469
- Latest call report
- Q2 2026, FFIEC 051 · Citizens Bank call report
- Holding company
- ROCKCASTLE BANCORP, INC.
- Asset rank in state
- 69th of 120 in Kentucky
Citizens Bank operates with a thinner capital cushion than most banks of its size. It reported $250 million in assets at June 30, 2026, up 3.1% from a year earlier. It funds 8.09% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also carries problem assets equal to 12.5% of the capital and reserves that would absorb them, 4.7 times the median of 2.6% for banks its size.
Net income for the quarter rose 24% from a year earlier, to $992,000. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.96% of loans, down from 1.08% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.3 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Citizens Bank reported a CET1 capital ratio of 11.68%, a return on assets of 1.55%, a nonperforming-loan ratio of 0.96% and a Texas ratio of 12.50%. The figures come from its call report filed with the FFIEC.
Citizens Bank ranks as the 69th largest of the 120 banks based in Kentucky, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.2% to $250.4M, loans fell 1.2% and deposits rose 0.5%. 1-4 family residential loans made up 52.9% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 10.7%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities in KY; its Mount Vernon office books 51% of its branch deposits. On its Q2 2026 call report, Citizens Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 411 Dysart Way, Mount Vernon, KY 40456
- County
- Rockcastle
- Metro Area
- Richmond-Berea, KY
- 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
- January 1, 1904
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 53
- Domestic deposits
- $221.6M
- Allowance for credit losses
- $2.2M
- Net charge-offs (YTD)
- $48K
- Average total assets
- $256.3M
- Average total loans
- $214.6M
- Average interest-bearing deposits
- $199.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 262
- Fed RSSD
- 840019
- Website
- www.citizensbankrb.com →
- Parent Holding Company
- ROCKCASTLE BANCORP, INC. (RSSD 2262268)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Citizens Bank's total assets ranged from $203.8M (Q1 2024) to $253.3M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$250.4M total assets against $242.7M; $229.6M total liabilities against $223.9M.
$213.0M net loans and leases against $201.1M; $221.6M total deposits against $212.2M.
$13.4M securities against $18.1M; $12.0M cash and balances due against $11.9M.
$3.8M total interest income against $3.6M; $1.3M total interest expense against $1.3M.
$2.5M net interest income against $2.3M.
$418K total noninterest income against $330K; $1.9M total noninterest expense against $1.8M.
$30K provision for credit losses against $60K.
$992K net income against $801K.
1.55% return on assets against 1.31%; 4.09% net interest margin against 3.98%.
11.68% CET1 capital ratio against 10.97%; 8.09% tier 1 leverage ratio against 7.74%.
Inside the full Citizens Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Citizens Bank rankings
Its closest position to the top of a national ranking is 441 of 3,640, for Texas Ratio; its furthest is 1,809 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.15% (Q3 2024) to 1.55% (Q2 2026) and its net interest margin ran from 3.66% (Q4 2024) to 4.19% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.68% | 1.55% | 0.96% | 12.50% | 4.09% |
| Q1 2026 | 11.20% | 1.54% | 1.28% | 12.86% | 4.02% |
| Q4 2025 | 11.10% | 1.35% | 1.18% | 11.98% | 4.19% |
| Q3 2025 | 11.14% | 1.36% | 1.30% | 12.95% | 4.06% |
| Q2 2025 | 10.97% | 1.31% | 1.08% | 11.71% | 3.98% |
| Q1 2025 | 11.05% | 1.32% | 1.13% | 11.14% | 3.87% |
| Q4 2024 | 10.61% | 1.22% | 1.06% | 10.92% | 3.66% |
| Q3 2024 | 10.83% | 1.15% | 1.10% | 10.69% | 3.68% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Citizens Bank (main office) | Mount Vernon , KY | 40456 | $112.3M |
| Brodhead Branch | Brodhead , KY | 40409 | $50.7M |
| Somerset Branch | Somerset , KY | 42501 | $20.7M |
| Mckee Branch | Mc Kee , KY | 40447 | $20.3M |
| Berea Branch | Berea , KY | 40403 | $17.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in KY, rank 86 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Citizens Bank
What are Citizens Bank's total assets?
As of the Q2 2026 filing, Citizens Bank reported total assets of $250.4 million in its FFIEC call report.
Where is Citizens Bank headquartered?
It is headquartered in Mount Vernon, KY, United States.
When was Citizens Bank founded?
It was established in 1904, per the FDIC institution directory.
Is Citizens Bank FDIC-insured?
Yes. It 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.
What is Citizens Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.68% in its Q2 2026 call report, above regulatory requirements.
How many branches does Citizens Bank operate?
It 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 Citizens Bank's Texas Ratio?
Its Texas Ratio is 12.50% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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