Citizens Bank & Trust Co. of Jackson
Also written as CB&T
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Data as of · sourced from FFIEC call reports. How we update
Citizens Bank & Trust Co. of Jackson is an FDIC-insured commercial bank headquartered in Jackson, KY, established in 1962 (FDIC certificate 18620), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $217.3M, up 0.7% from Q2 2025, the 79th largest of 120 banks headquartered in Kentucky. Its CET1 capital ratio was 14.35% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 18620
- Headquarters
- Jackson, KY
- Established
- 1962
- Total assets, Q2 2026
- $217.3M
- Assets vs Q2 2025
- +0.7%
- CET1 ratio, Q2 2026
- 14.35%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 042108122
- Latest call report
- Q2 2026, FFIEC 051 · Citizens Bank & Trust Co. of Jackson call report
- Holding company
- JOHN R TURNER HOLDING COMPANY
- Asset rank in state
- 79th of 120 in Kentucky
Problem loans are rising at Citizens Bank & Trust Co. of Jackson. It reported $217 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.35% of loans from 0.37% a year earlier. It carries problem assets equal to 28.1% of the capital and reserves that would absorb them, 10.6 times the median of 2.7% for the 2,627 banks with $100 million to $1 billion in assets. It also spends about 78 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
The commercial and industrial book ($23 million) is worsening: 5.85% of it is past due or on nonaccrual, up from 0.80% a year earlier. Net income for the quarter slipped 24% from a year earlier, to $544,000. Concentration is the risk to watch: it holds commercial real estate loans worth 2.2 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Citizens Bank & Trust Co. of Jackson reported a CET1 capital ratio of 14.35%, a return on assets of 1.00%, a nonperforming-loan ratio of 3.35% and a Texas ratio of 28.06%. The figures come from its call report filed with the FFIEC.
Citizens Bank & Trust Co. of Jackson ranks as the 79th largest of the 120 banks based in Kentucky, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.4% to $217.3M, loans fell 0.2% and deposits rose 0.1%. 1-4 family residential loans made up 37.9% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 17.4%. Its 3 offices in the FDIC Summary of Deposits are in Jackson, KY and Beattyville, KY; its Jackson 2 offices book 80% of its branch deposits. Judged on its Q2 2026 call report, Citizens Bank & Trust Co. of Jackson meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 720 Highway 15 S, Jackson, KY 41339
- County
- Breathitt
- 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- November 17, 1962
- Former names
- Citizens Bank of Jackson (1973-1988)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 45
- Domestic deposits
- $190.9M
- Allowance for credit losses
- $2.1M
- Net charge-offs (YTD)
- $83K
- Average total assets
- $217.4M
- Average total loans
- $162.1M
- Average interest-bearing deposits
- $142.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 17, 1962
- FDIC Cert
- 18620
- Fed RSSD
- 765318
- Website
- www.citizensbankjackson.bank →
- Parent Holding Company
- JOHN R TURNER HOLDING COMPANY (RSSD 2753869)
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
Over the 12 quarters to Q2 2026, Citizens Bank & Trust Co. of Jackson's total assets ran between $199.1M (Q3 2023) and $217.3M (Q2 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
$217.3M total assets against $215.8M; $194.4M total liabilities against $194.3M.
$160.6M net loans and leases against $158.0M; $190.9M total deposits against $191.3M.
$23.3M securities against $21.7M; $20.7M cash and balances due against $21.9M.
$3.0M total interest income against $3.1M; $834K total interest expense against $851K.
$2.2M net interest income against $2.2M.
$385K total noninterest income against $414K; $2.0M total noninterest expense against $1.9M.
$30K provision for credit losses against $50K.
$544K net income against $715K.
1.00% return on assets against 1.35%; 4.38% net interest margin against 4.60%.
14.35% CET1 capital ratio against 13.29%; 9.71% tier 1 leverage ratio against 9.30%.
Inside the full Citizens Bank & Trust Co. of Jackson 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.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
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 & Trust Co. of Jackson rankings
Its closest position to the top of a national ranking is 70 of 3,640, for Texas Ratio; its furthest is 3,170 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.00% (Q2 2026) to 2.70% (Q3 2025) and its net interest margin ran from 4.38% (Q2 2026) to 4.63% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.35% | 1.00% | 3.35% | 28.06% | 4.38% |
| Q1 2026 | 13.71% | 1.03% | 2.92% | 25.53% | 4.39% |
| Q4 2025 | 14.78% | 1.70% | 2.47% | 20.80% | 4.63% |
| Q3 2025 | 14.81% | 2.70% | 1.12% | 11.72% | 4.62% |
| Q2 2025 | 13.29% | 1.35% | 0.37% | 12.67% | 4.60% |
| Q1 2025 | 13.48% | 1.22% | 0.69% | 14.14% | 4.46% |
| Q4 2024 | 13.22% | 1.29% | 0.37% | 11.88% | 4.47% |
| Q3 2024 | 13.28% | 1.65% | 0.41% | 11.80% | 4.56% |
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 |
|---|---|---|---|
| Citizens Bank & Trust Co. of Jackson (main office) | Jackson , KY | 41339 | $137.2M |
| Beattyville Ky Branch | Beattyville , KY | 41311 | $38.5M |
| 1138 Main Street Branch | Jackson , KY | 41339 | $15.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in KY, rank 98 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $100K approved, $100K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2002 (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 Citizens Bank & Trust Co. of Jackson
What are Citizens Bank & Trust Co. of Jackson's total assets?
As of the Q2 2026 filing, Citizens Bank & Trust Co. of Jackson reported total assets of $217.3 million in its FFIEC call report.
Where is Citizens Bank & Trust Co. of Jackson headquartered?
It is headquartered in Jackson, KY, United States.
When was Citizens Bank & Trust Co. of Jackson founded?
It was established in 1962, per the FDIC institution directory.
Is Citizens Bank & Trust Co. of Jackson FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18620). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Bank & Trust Co. of Jackson?
Citizens Bank & Trust Co. of Jackson's primary federal regulator is the FDIC.
What is Citizens Bank & Trust Co. of Jackson's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.35% 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 & Trust Co. of Jackson 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 Citizens Bank & Trust Co. of Jackson's Texas Ratio?
Its Texas Ratio is 28.06% 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 & Trust Co. of Jackson previously called?
The charter now named Citizens Bank & Trust Co. of Jackson has also operated as Citizens Bank of Jackson (1973-1988), per FDIC structure-change records.
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