Citizens Bank & Trust Company: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 80.87 percentage points lower than in Q1 2026, at 153.40%. Within Kentucky, Citizens Bank & Trust Company is 62nd of 119 on return on assets, 1.26% as of Q2 2026, below the middle of the field. At 1.26%, Citizens Bank & Trust Company's return on assets is close to the 1.25% median for banks in the $100M-1B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.12% |
| Equity capital to assets | 12.27% |
| Tangible equity to tangible assets | 12.27% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.02% |
| Non-performing assets ratio | 0.56% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 5.26% |
| Allowance for credit losses to loans | 1.57% |
| Reserve coverage of non-performing loans | 153.40% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.26% |
| Return on equity | 10.36% |
| Net interest margin | 3.17% |
| Efficiency ratio | 52.71% |
| Yield on earning assets | 5.15% |
| Cost of funds | 2.25% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 61.59% |
| Core deposits to total deposits | 91.57% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.08% |
| Securities to assets | 35.94% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 14.17% | 0.82% | 2.66% | 0.61% | 0.02% |
| Q4 2023 | 14.06% | 0.93% | 2.57% | 0.59% | 0.03% |
| Q1 2024 | 13.74% | 0.78% | 2.68% | 0.56% | -0.01% |
| Q2 2024 | 13.78% | 0.99% | 2.77% | 0.09% | -0.01% |
| Q3 2024 | 14.10% | 0.87% | 2.75% | 0.58% | 0.01% |
| Q4 2024 | 13.87% | 0.86% | 2.63% | 0.55% | 0.00% |
| Q1 2025 | 14.10% | 0.96% | 3.00% | 0.63% | -0.01% |
| Q2 2025 | 13.69% | 1.03% | 3.08% | 0.63% | -0.00% |
| Q3 2025 | 13.34% | 1.13% | 3.09% | 0.59% | -0.01% |
| Q4 2025 | 13.00% | 0.89% | 2.78% | 0.61% | 0.04% |
| Q1 2026 | 13.26% | 1.22% | 3.15% | 0.68% | 0.01% |
| Q2 2026 | 13.12% | 1.26% | 3.17% | 1.02% | 0.04% |
Citizens Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank & Trust Company, 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 Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15675) · FFIEC NIC profile (RSSD 829041)