Citizens Bank & Trust Co. of Jackson: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 23.26 percentage points in Q2 2026, from 64.92% to 41.66%. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, Citizens Bank & Trust Co. of Jackson is 86th of 119 on return on assets, 1.00% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Citizens Bank & Trust Co. of Jackson sits 0.25 points lower, at 1.00% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.35% |
| Tier 1 risk-based capital ratio | 14.35% |
| Total risk-based capital ratio | 15.60% |
| Tier 1 leverage ratio | 9.71% |
| Equity capital to assets | 10.54% |
| Tangible equity to tangible assets | 9.63% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.03% |
| Non-performing assets ratio | 2.70% |
| Net charge-off ratio | 0.16% |
| Texas ratio | 28.06% |
| Allowance for credit losses to loans | 1.26% |
| Reserve coverage of non-performing loans | 41.66% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.00% |
| Return on equity | 9.61% |
| Net interest margin | 4.38% |
| Efficiency ratio | 77.84% |
| Yield on earning assets | 6.02% |
| Cost of funds | 1.86% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.18% |
| Core deposits to total deposits | 82.26% |
| Brokered deposits to total deposits | 5.25% |
| Deposits to assets | 87.86% |
| Securities to assets | 10.73% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.05% | 13.05% | 14.30% | 9.38% | 1.40% |
| Q4 2023 | 13.33% | 13.33% | 14.58% | 9.07% | 1.54% |
| Q1 2024 | 13.51% | 13.51% | 14.77% | 9.28% | 1.18% |
| Q2 2024 | 12.86% | 12.86% | 14.11% | 8.83% | 1.39% |
| Q3 2024 | 13.28% | 13.28% | 14.53% | 9.27% | 1.65% |
| Q4 2024 | 13.22% | 13.22% | 14.47% | 9.38% | 1.29% |
| Q1 2025 | 13.48% | 13.48% | 14.74% | 9.30% | 1.22% |
| Q2 2025 | 13.29% | 13.29% | 14.55% | 9.30% | 1.35% |
| Q3 2025 | 14.81% | 14.81% | 16.06% | 9.85% | 2.70% |
| Q4 2025 | 14.78% | 14.78% | 16.03% | 10.08% | 1.70% |
| Q1 2026 | 13.71% | 13.71% | 14.96% | 9.53% | 1.03% |
| Q2 2026 | 14.35% | 14.35% | 15.60% | 9.71% | 1.00% |
Citizens Bank & Trust Co. of Jackson vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank & Trust Co. of Jackson, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Citizens Bank & Trust Co. of Jackson profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18620) · FFIEC NIC profile (RSSD 765318)