The Citizens Bank (Hickman, KY)
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Data as of · sourced from FFIEC call reports. How we update
The Citizens Bank is an FDIC-insured commercial bank headquartered in Hickman, KY, established in 1930 (FDIC certificate 9306), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $220.4M, up 2.8% from Q2 2025, the 77th largest of 120 banks headquartered in Kentucky. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.67% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9306
- Headquarters
- Hickman, KY
- Established
- 1930
- Total assets, Q2 2026
- $220.4M
- Assets vs Q2 2025
- +2.8%
- Tier 1 leverage ratio, Q2 2026
- 12.67%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 083907722
- Holding company
- CITIZENS BANCORP OF HICKMAN, INC.
- Asset rank in state
- 77th of 120 in Kentucky
The Citizens Bank is one of the more profitable banks of its size. Its balance sheet stood at $220 million at June 30, 2026, up 2.8% from a year earlier; it is based in Hickman, Kentucky. It earns about $1.96 a year on every $100 of assets, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also grew its loan book 11.7% over the year, about double the median of 5.5% for banks its size.
Earnings jumped: net income for the quarter was $1.1 million, 39% above the same quarter a year earlier. Over the same year, loans grew 11.7% and deposits grew 1.5%. Funding is the softer spot: it pays an average of 2.26% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, The Citizens Bank reported a return on assets of 1.96%, a nonperforming-loan ratio of 0.34% and a Texas ratio of 2.15%. The figures come from its call report filed with the FFIEC.
The Citizens Bank ranks as the 77th largest of the 120 banks based in Kentucky, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.6% to $220.4M, loans rose 2.8% and deposits fell 2.4%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 32.7% of total loans, ahead of non-owner-occupied commercial real estate loans at 25.0%. The FDIC Summary of Deposits lists 3 offices for it, in Hickman, KY, Fulton, KY and Union City, TN; its Hickman office books 53% of its branch deposits. On its Q2 2026 call report, The Citizens Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1522 Union City Hwy, Hickman, KY 42050
- County
- Fulton
- 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 8, St. Louis
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1930
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 36
- Domestic deposits
- $193.7M
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- $30K
- Average total assets
- $222.6M
- Average total loans
- $164.5M
- Average interest-bearing deposits
- $154.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9306
- Fed RSSD
- 617145
- Website
- www.citizenshickman.com →
- Parent Holding Company
- CITIZENS BANCORP OF HICKMAN, INC. (RSSD 1099270)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, The Citizens Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Citizens Bank's total assets ran between $189.4M (Q4 2023) and $224.0M (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
$220.4M total assets against $214.4M; $194.9M total liabilities against $192.1M.
$165.1M net loans and leases against $147.4M; $193.7M total deposits against $190.8M.
$43.6M securities against $46.9M; $4.4M cash and balances due against $13.0M.
$3.2M total interest income against $2.8M; $1.1M total interest expense against $1.1M.
$2.1M net interest income against $1.7M.
$326K total noninterest income against $232K; $1.3M total noninterest expense against $1.2M.
No provision recorded in the last 12 quarters.
$1.1M net income against $784K.
1.96% return on assets against 1.55%; 4.00% net interest margin against 3.65%.
12.67% tier 1 leverage ratio against 12.74%.
Inside the full The 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.
The Citizens Bank rankings
Its closest position to the top of a national ranking is 533 of 3,611, for ROA; its furthest is 2,849 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.76% (Q3 2024) to 1.96% (Q2 2026) and its net interest margin ran from 3.00% (Q3 2024) to 4.03% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.67% | 1.96% | 0.34% | 2.15% | 4.00% |
| Q1 2026 | 12.44% | 1.49% | 0.35% | 2.18% | 3.97% |
| Q4 2025 | 12.26% | 1.73% | 0.14% | 0.88% | 4.03% |
| Q3 2025 | 12.29% | 1.42% | 0.08% | 0.51% | 3.92% |
| Q2 2025 | 12.74% | 1.55% | 0.06% | 0.44% | 3.65% |
| Q1 2025 | 12.84% | 1.07% | 0.04% | 0.27% | 3.32% |
| Q4 2024 | 12.85% | 1.14% | 0.07% | 0.61% | 3.21% |
| Q3 2024 | 12.68% | 0.76% | 0.26% | 1.80% | 3.00% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| The Citizens Bank | Hickman , KY | 42050 | $103.3M |
| Nolan Avenue Branch | Fulton , KY | 42041 | $63.1M |
| Union City Branch | Union City , TN | 38261 | $27.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in KY, rank 105 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.2M approved, $1.2M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 The Citizens Bank
What are The Citizens Bank's total assets?
As of the Q2 2026 filing, The Citizens Bank reported total assets of $220.4 million in its FFIEC call report.
Where is The Citizens Bank headquartered?
It is headquartered in Hickman, KY, United States.
When was The Citizens Bank founded?
It was established in 1930, per the FDIC institution directory.
Is The Citizens Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9306). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Citizens Bank?
The Citizens Bank's primary federal regulator is the FDIC.
How many branches does The Citizens Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Citizens Bank's Texas Ratio?
Its Texas Ratio is 2.15% 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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