Citizens Bank of Kentucky, Inc
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Data as of · sourced from FFIEC call reports. How we update
Citizens Bank of Kentucky, Inc is an FDIC-insured commercial bank headquartered in Paintsville, KY, established in 1910 (FDIC certificate 2718), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $669.9M, down 2.9% from Q2 2025, the 27th largest of 120 banks headquartered in Kentucky. Its CET1 capital ratio was 23.49% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 2718
- Headquarters
- Paintsville, KY
- Established
- 1910
- Total assets, Q2 2026
- $669.9M
- Assets vs Q2 2025
- -2.9%
- CET1 ratio, Q2 2026
- 23.49%
- Domestic offices
- 12 FDIC institution directory, current count
- Routing number
- 042103253
- Latest call report
- Q2 2026, FFIEC 051 · Citizens Bank of Kentucky, Inc Q3 2026 call report, filed October 9, 2026 (preliminary)
- Holding company
- CITIZENS NATIONAL CORPORATION
- Asset rank in state
- 27th of 120 in Kentucky
Citizens Bank of Kentucky, Inc, based in Paintsville, Kentucky, reported $670 million in assets at June 30, 2026, down 2.9% from a year earlier. It lost 4.6% of its deposits over the year, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 4.1%). It also holds common equity equal to 23.49% of its risk-weighted assets, higher than about three-quarters of banks its size (median 15.11%).
Net income for the quarter rose 14% from a year earlier, to $1.9 million. Over the same year, loans grew 4.8% and deposits shrank 4.6%.
As of June 30, 2026, Citizens Bank of Kentucky, Inc reported a CET1 capital ratio of 23.49%, a return on assets of 1.10%, a nonperforming-loan ratio of 0.85% and a Texas ratio of 3.70%. The figures come from its call report filed with the FFIEC.
Citizens Bank of Kentucky, Inc ranks as the 27th largest of the 120 banks based in Kentucky, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.3% to $669.9M, loans rose 1.3% and deposits fell 3.0%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 36.0% of total loans, ahead of non-owner-occupied commercial real estate loans at 25.1%. The FDIC Summary of Deposits lists 12 offices for it, in 10 cities in KY; its Paintsville 2 offices book 38% of its branch deposits. By the capital ratios in its Q2 2026 call report, Citizens Bank of Kentucky, Inc meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 620 Broadway St, Paintsville, KY 41240
- County
- Johnson
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1910
- Former names
- Citizens National Bank of Paintsville (2007-2016)
- Domestic offices
- 12 FDIC institution directory, current count
- Employees (FTE)
- 116
- Domestic deposits
- $571.0M
- Allowance for credit losses
- $4.9M
- Net charge-offs (YTD)
- $57K
- Average total assets
- $687.5M
- Average total loans
- $344.3M
- Average interest-bearing deposits
- $405.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2718
- Fed RSSD
- 495419
- Website
- http://www.wercitizens.bank →
- Parent Holding Company
- CITIZENS NATIONAL CORPORATION (RSSD 1071623)
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 of Kentucky, Inc's total assets ranged from $659.7M (Q4 2024) to $701.7M (Q3 2025), 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
$669.9M total assets against $689.8M; $580.0M total liabilities against $607.5M.
$341.6M net loans and leases against $325.6M; $571.0M total deposits against $598.7M.
$252.9M securities against $262.3M; $23.9M cash and balances due against $49.5M.
$7.4M total interest income against $7.3M; $1.8M total interest expense against $2.0M.
$5.6M net interest income against $5.3M.
$1.1M total noninterest income against $1.1M; $4.4M total noninterest expense against $4.4M.
$11K provision for credit losses against -$2K.
$1.9M net income against $1.7M.
1.10% return on assets against 0.95%; 3.60% net interest margin against 3.34%.
23.49% CET1 capital ratio against 23.40%; 13.51% tier 1 leverage ratio against 12.81%.
Inside the full Citizens Bank of Kentucky, Inc terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCitizens Bank of Kentucky, Inc rankings
Its closest position to the top of a national ranking is 200 of 2,134, for CET1 ratio; its furthest is 2,273 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.77% (Q1 2025) to 1.10% (Q2 2026) and its net interest margin ran from 3.12% (Q4 2024) to 3.60% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 23.49% | 1.10% | 0.85% | 3.70% | 3.60% |
| Q1 2026 | 23.46% | 0.95% | 0.68% | 2.99% | 3.44% |
| Q4 2025 | 23.39% | 1.02% | 0.72% | 3.25% | 3.38% |
| Q3 2025 | 23.53% | 0.88% | 0.75% | 3.39% | 3.30% |
| Q2 2025 | 23.40% | 0.95% | 0.75% | 3.63% | 3.34% |
| Q1 2025 | 23.17% | 0.77% | 0.80% | 3.99% | 3.16% |
| Q4 2024 | 23.19% | 0.88% | 0.75% | 3.83% | 3.12% |
| Q3 2024 | 23.08% | 0.91% | 0.38% | 1.96% | 3.24% |
Swipe the table sideways to see every column.
Branch Network
View all 12 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 of Kentucky, Inc. | Paintsville , KY | 41240 | $164.8M |
| Centerpointe Branch | Prestonsburg , KY | 41653 | $70.0M |
| Mayo Shopping Plaza Branch | Paintsville , KY | 41240 | $53.3M |
| Louisa Branch | Louisa , KY | 41230 | $51.4M |
| Ashland Branch | Ashland , KY | 41101 | $51.0M |
| Salyersville Branch | Salyersville , KY | 41465 | $48.7M |
| Pikeville Branch | Pikeville , KY | 41501 | $36.0M |
| Mcdowell Branch | Mc Dowell , KY | 41647 | $33.5M |
| Weddington Plaza Branch | Pikeville , KY | 41501 | $20.4M |
| Grayson Branch | Grayson , KY | 41143 | $15.0M |
| Winchester Branch | Winchester , KY | 40391 | $14.5M |
| Allen Branch | Allen , KY | 41601 | $12.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 9, 2016 | Structure Change | Acquired Alliance Banking Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 8, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 23, 2014 | Structure Change | Acquired Peoples Security Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 22, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 10, 2007 | Structure Change | Acquired Kentucky National Bank of Pikeville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 27, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 24, 2006 | Structure Change | Acquired Heritage Bank of Ashland, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 17, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 31, 2006 | Structure Change | Acquired CNC Mortgage, L.L.C. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 31, 2006 | Structure Change | Acquired Citco Financial Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 26, 1999 | Structure Change | Acquired The Bank Josephine Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 25, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 12 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- February 23, 2010, OCC: Formal Agreement: Citizens National Bank of Paintsville
- Period: Most recent institution action February 23, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.5% of deposits in KY, rank 41 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 149 applications, 98 loans originated, $25.3M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $200K approved, $200K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2009 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 of Kentucky, Inc
What are Citizens Bank of Kentucky, Inc's total assets?
As of the Q2 2026 filing, Citizens Bank of Kentucky, Inc reported total assets of $669.9 million in its FFIEC call report.
Where is Citizens Bank of Kentucky, Inc headquartered?
It is headquartered in Paintsville, KY, United States.
When was Citizens Bank of Kentucky, Inc founded?
It was established in 1910, per the FDIC institution directory.
Is Citizens Bank of Kentucky, Inc FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2718). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Bank of Kentucky, Inc?
Citizens Bank of Kentucky, Inc's primary federal regulator is the Federal Reserve.
What is Citizens Bank of Kentucky, Inc's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 23.49% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Citizens Bank of Kentucky, Inc operate?
It operates 12 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 of Kentucky, Inc's Texas Ratio?
Its Texas Ratio is 3.70% 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.
What was Citizens Bank of Kentucky, Inc previously called?
The charter now named Citizens Bank of Kentucky, Inc has also operated as Citizens National Bank of Paintsville (2007-2016), per FDIC structure-change records.
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