Branch Network
The Citizens Bank Locations & Branches Morehead, Kentucky
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The Citizens Bank operates 5 branches from its headquarters in Morehead, KY, .
The Citizens Bank branch network
All 5 branches are in KENTUCKY, across 4 cities. Morehead, KY has the most of its branches, 2. Its largest office by deposits is the The Citizens Bank office in Morehead, KY, with $104.4M (57.4% of its branch deposits). It had the same number of branches on June 30, 2025.
The Citizens Bank at a glance
Its CET1 capital ratio was 16.04% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $228.6M
- CET1 ratio, Q2 2026
- 16.04%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1928
Full financial profile · Is The Citizens Bank safe? · The Citizens Bank call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Morehead, KY (2 branches) | 3 of 8 | 21.1% | $117.7M |
| State: KY (5 branches) | 101 of 152 | 0.1% | $181.9M |
Ranked by total assets among banks headquartered in the state: Largest banks in Kentucky.
Share by county and metro area
The Citizens Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Rowan, KY (2 branches) | 3 of 8 | 21.1% | $117.7M | $557.2M |
| Bath, KY (2 branches) | 2 of 3 | 27.8% | $54.6M | $196.7M |
| Morgan, KY (1 branch) | 4 of 4 | 3.2% | $9.5M | $302.2M |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Mount Sterling, KY (2 branches) | 7 of 8 | 5.2% | $54.6M | $1.06B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Citizens Bank | Morehead, KY | 40351 | $104.4M |
| Main Street Branch | Owingsville, KY | 40360 | $29.8M |
| Citizens Bank Branch | Sharpsburg, KY | 40374 | $24.8M |
| Trademore Branch | Morehead, KY | 40351 | $13.3M |
| West Liberty Branch | West Liberty, KY | 41472 | $9.5M |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 10520) · FFIEC NIC profile (RSSD 962313)