Bank call report · Paintsville, KY
Citizens Bank of Kentucky, Inc Call Report
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Citizens Bank of Kentucky, Inc filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 336 reported line items, schedule by schedule (726 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 495419 |
| FDIC certificate number | 2718 |
| Total assets | $669.9M |
Official Q2 2026 call report PDF (FFIEC) →
Citizens Bank of Kentucky, Inc call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (24 items)
About Schedule RC · Citizens Bank of Kentucky, Inc balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $669.9M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $669.9M |
| Total Liabilities and Minority Interest | RCON2948 | $580.0M |
| Total Deposits | RCON2200 | $571.0M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $400.1M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $346.5M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $341.6M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $252.9M |
| Deposits: Noninterest-bearing | RCON6631 | $170.9M |
| Total Equity Capital | RCON3210 | $89.9M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $89.9M |
| Surplus | RCON3839 | $51.9M |
| Undivided Profits and Capital Reserves | RCON3632 | $49.7M |
| Other Assets | RCON2160 | $24.3M |
| Accumulated Other Comprehensive Income | RCONB530 | -$16.8M |
| Goodwill | RCON3163 | $15.6M |
| Intangible Assets | RCON2143 | $15.6M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $14.5M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $11.6M |
| Interest-bearing Balances | RCON0071 | $9.4M |
| Other Liabilities, Total | RCON2930 | $7.2M |
| Common Stock | RCON3230 | $5.0M |
| Allowance for Loan and Lease Losses | RCON3123 | $4.9M |
| Securities Sold Under Agreements to Repurchase | RCONB995 | $1.9M |
Schedule RI: Income Statement (41 items)
About Schedule RI · Citizens Bank of Kentucky, Inc income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $14.7M |
| Net Interest Income | RIAD4074 | $11.0M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $10.2M |
| Total Noninterest Expense | RIAD4093 | $8.9M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $5.9M |
| Salaries and Employee Benefits | RIAD4135 | $4.4M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $4.4M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $4.4M |
| Total Interest Expense | RIAD4073 | $3.6M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $3.5M |
| Net Income (Loss) | RIAD4340 | $3.5M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $3.5M |
| Other Noninterest Expense | RIAD4092 | $3.2M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $3.0M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $2.8M |
| Total Noninterest Income | RIAD4079 | $2.3M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $1.9M |
| Other Noninterest Income | RIADB497 | $1.6M |
| Interest on Other Securities | RIAD4060 | $1.3M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $1.3M |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $1.3M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $971K |
| Applicable Income Taxes | RIAD4302 | $825K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $801K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $743K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $606K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $346K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $238K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $207K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $132K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $81K |
| Provision for Loan and Lease Losses | RIAD4230 | $80K |
| Other Interest Income | RIAD4518 | $76K |
| Noninterest income: Income from insurance activities | RIADHT74 | $39K |
| Net Gains (Losses) on Other Real Estate Owned | RIAD5415 | $23K |
| Noninterest income: Fees and commissions from securities brokerage, investment banking, advisory, and underwriting activities | RIADHT73 | $6K |
| Other Interest Expense | RIADGW44 | $4K |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $2K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $1K |
| Realized Gains (Losses) on Available-for-sale Debt Securities | RIAD3196 | -$1K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 116 |
Schedule RC-B: Securities (26 items)
About Schedule RC-B · Citizens Bank of Kentucky, Inc securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $21.9M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $20.1M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $275.3M |
| Pledged Securities | RCON0416 | $110.1M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $105.1M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $93.9M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $79.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $71.8M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $71.7M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $59.5M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $58.3M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $57.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $55.4M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $19.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $14.9M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $13.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $11.1M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $9.0M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $8.9M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $7.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $4.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $3.5M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $1.1M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $1.0M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $26K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONA555 | $1K |
Schedule RC-C, Part I: Loans and Leases (32 items)
About Schedule RC-C, Part I · Citizens Bank of Kentucky, Inc loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $346.5M |
| Pledged Loans and Leases | RCONG378 | $112.9M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $111.0M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $105.0M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $87.0M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $78.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $71.2M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $66.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $51.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $50.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $49.6M |
| Commercial and Industrial Loans | RCON1766 | $30.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $25.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $22.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $21.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $18.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $18.0M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $14.5M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $13.1M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $9.9M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $6.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $5.9M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $4.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $4.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $4.3M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $2.4M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $771K |
| Other Loans | RCONJ464 | $243K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $138K |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $68K |
| Real Estate Loans Secured by Farmland | RCON1420 | $49K |
| Unearned Income on Loans | RCON2123 | $12K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (14 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $40.4M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $6.5M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $4.2M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $2.3M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $1.8M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $1.2M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $49K |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 100 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 75 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 56 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 28 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 25 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 17 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 1 |
Schedule RC-E: Deposit Liabilities (24 items)
About Schedule RC-E · Citizens Bank of Kentucky, Inc deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $306.5M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $274.8M |
| Total Transaction Accounts | RCON2215 | $264.5M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $236.5M |
| Total Demand Deposits (See Note Below) | RCON2210 | $190.4M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $104.0M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $78.4M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $68.7M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $61.2M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $55.7M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $53.1M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $48.6M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $45.1M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $38.6M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $31.7M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $28.0M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $22.3M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $21.3M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $16.4M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $9.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $8.1M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $6.5M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $1.9M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $10K |
Schedule RC-F: Other Assets (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Net Deferred Tax Assets | RCON2148 | $7.3M |
| Life Insurance Assets: Separate Account Life Insurance Assets | RCONK202 | $4.9M |
| Other Assets | RCON2168 | $3.4M |
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $3.1M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $2.8M |
| Accrued Interest Receivable | RCONB556 | $2.7M |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $2.7M |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $4.8M |
| Deferred Compensation Liabilities | RCONC011 | $3.3M |
| Other Expenses Accrued and Unpaid | RCON3646 | $1.6M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $643K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $123K |
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · Citizens Bank of Kentucky, Inc quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $687.5M |
| Quarterly Average of Total Loans | RCON3360 | $344.3M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $181.9M |
| Mortgage-backed Securities | RCONB559 | $165.6M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $158.8M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $124.4M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $116.0M |
| All Other Securities | RCONB560 | $105.3M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $84.2M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $46.2M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $29.0M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $17.5M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $9.0M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $8.9M |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $2.2M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $66K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (7 items)
About Schedule RC-L · Citizens Bank of Kentucky, Inc derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $15.4M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $13.9M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $12.6M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $8.9M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $1.7M |
| Performance Standby Letters of Credit | RCON3821 | $946K |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $117K |
Schedule RC-M: Memoranda (1 item)
About Schedule RC-M · Citizens Bank of Kentucky, Inc memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $27K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (22 items)
About Schedule RC-N · Citizens Bank of Kentucky, Inc past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $2.9M |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $1.4M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty: Commercial and Industrial Loans - Nonaccrual | RCONK259 | $1.4M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Nonaccrual | RCONHK28 | $1.4M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $1.3M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $815K |
| Additions to Nonaccrual Assets | RCONC410 | $740K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $658K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $431K |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $277K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $223K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $123K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $110K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $75K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-nonaccural | RCONC230 | $43K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Nonaccrual | RCONK215 | $29K |
| Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF179 | $28K |
| Other Construction Loans and All Land Development and Other Land Loans, Past Due 31 - 89 Days | RCONF173 | $27K |
| All Other Loans - Past Due 90 Days or More and Still Accruing | RCON5460 | $11K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $11K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $10K |
| All Other Loans - Past Due 30 Through 89 Days and Still Accruing | RCON5459 | $3K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Citizens Bank of Kentucky, Inc other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $687.5M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $575.0M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $370.5M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $183.2M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $90.4M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $18.3M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $3.0M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 30,083 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 881 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 280 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 9 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (2 items)
About Schedule RC-R · Citizens Bank of Kentucky, Inc regulatory capital trends
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (24 items)
About Schedule RC-R, Part I · Citizens Bank of Kentucky, Inc regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $687.5M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $671.5M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $386.3M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $95.6M |
| Common Equity Tier 1 Capital | RCOAP859 | $90.7M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $90.7M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $90.7M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $89.9M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $56.9M |
| Retained Earnings | RCOAKW00 | $49.7M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$16.8M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$16.8M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $15.9M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $15.6M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $4.8M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $4.8M |
| Tier 2 Capital Before Deductions | RCOAP870 | $4.8M |
| Deferred Tax Assets (DTAS) That Arise from Net Operating Loss and Tax Credit Carryforwards, Net of Any Related Valuation Allowances and Net of Dtls | RCOAP843 | $336K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.2474 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.2349 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.2349 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.1674 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1351 |
Schedule RC-R, Part II: Risk-Weighted Assets (63 items)
About Schedule RC-R, Part II · Citizens Bank of Kentucky, Inc risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $386.5M |
| Total Risk-weighted Assets | RCONG641 | $386.3M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $259.5M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $259.5M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $252.9M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $240.4M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $213.6M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $199.5M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $169.0M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $169.0M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $167.6M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $165.7M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $163.1M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $130.7M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $116.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $99.4M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $98.8M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $83.8M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $62.9M |
| Total All Other Assets | RCOND981 | $51.5M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $49.2M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $33.8M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $30.0M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $26.3M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $23.9M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$22.4M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $20.9M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $19.5M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $15.9M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $15.0M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $15.0M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $14.6M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $14.1M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$11.4M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Exposure Amount | RCONH296 | $4.9M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Risk-weighted Asset Amount | RCONH297 | $4.9M |
| Total Balance Sheet Assets - Other Risk Weighting Approaches Exposure Amount | RCONH300 | $4.9M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $4.5M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $4.2M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $4.2M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $3.3M |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $2.3M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $2.2M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $2.2M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $2.2M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $2.2M |
| Repo-style Transactions - 50 Pct Risk Weight Category | RCONS521 | $1.9M |
| Repo-style Transactions - Credit Equivalent Amount | RCONS516 | $1.9M |
| Repo-style Transactions - Face, Notional, or Other Amount | RCONS515 | $1.9M |
| Unconditionally Cancellable Commitments | RCONS540 | $1.6M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $1.4M |
| Risk-weighted Assets by Risk-weighted Category - 400 Pct Risk Weight Category | RCONS575 | $1.2M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Face, Notional, or Other Amount | RCOND997 | $946K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 0 Pct Risk Weight Category | RCOND999 | $473K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Credit Equivalent Amount | RCOND998 | $473K |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $376K |
| All Other Assets - 400 Pct Risk Weight Category | RCONS470 | $296K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 400 Pct Risk Weight Category | RCONS564 | $296K |
| Total Balance Sheet Assets - 400 Pct Risk Weight Category | RCONS506 | $296K |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $117K |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $117K |
| Financial Standby Letters of Credit - 0 Pct Risk Weight Category | RCOND993 | $107K |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $10K |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $89.9M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $89.2M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $89.2M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $1.6M |
| Other Comprehensive Income | RIADB511 | -$1.3M |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (7 items)
About Schedule RI-B, Part I · Citizens Bank of Kentucky, Inc charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $85K |
| Charge-offs on All Other Loans | RIAD4644 | $52K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $33K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $28K |
| Recoveries on All Other Loans | RIAD4628 | $23K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Recoveries | RIADC896 | $3K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $2K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · Citizens Bank of Kentucky, Inc changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $4.9M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $4.9M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $85K |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $1K |
Citizens Bank of Kentucky, Inc call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Citizens Bank of Kentucky, Inc call report?
The Citizens Bank of Kentucky, Inc call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Citizens Bank of Kentucky, Inc file?
Citizens Bank of Kentucky, Inc files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Citizens Bank of Kentucky, Inc call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Citizens Bank of Kentucky, Inc has Federal Reserve RSSD ID 495419 and FDIC certificate number 2718. Either one finds its filings on the FFIEC Central Data Repository.
How often does Citizens Bank of Kentucky, Inc file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Citizens Bank of Kentucky, Inc financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 2718) · FFIEC NIC profile (RSSD 495419)