Citizens Deposit Bank of Arlington, Inc.
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Data as of · sourced from FFIEC call reports. How we update
Citizens Deposit Bank of Arlington, Inc. is an FDIC-insured commercial bank headquartered in Arlington, KY, supervised by the FDIC, with $348.2M in total assets at Q2 2026, up 8.7% from Q2 2025, the 57th largest of 120 banks headquartered in Kentucky. It was established in 1949 and holds FDIC certificate 16852. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.66% 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
- 16852
- Headquarters
- Arlington, KY
- Established
- 1949
- Total assets, Q2 2026
- $348.2M
- Assets vs Q2 2025
- +8.7%
- Tier 1 leverage ratio, Q2 2026
- 13.66%
- Domestic offices
- 5 · Citizens Deposit Bank of Arlington, Inc. branches FDIC institution directory, current count
- Routing number
- 083907984
- Safety and soundness
- Is Citizens Deposit Bank of Arlington, Inc. safe?
- Latest call report
- Q2 2026, FFIEC 051 · Citizens Deposit Bank of Arlington, Inc. call report
- Holding company
- CARLISLE BANCORP, INC.
- Asset rank in state
- 57th of 120 in Kentucky
Citizens Deposit Bank of Arlington, Inc. pays more for its money than most banks of its size. The Arlington, Kentucky bank had $348 million in assets at June 30, 2026, up 8.7% from a year earlier. It pays an average of 2.86% on its deposits and borrowings, higher than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 1.80%). On the other hand, it holds commercial real estate loans equal to only 40% of its capital, about a third the median of 1.2 times for banks its size.
The commercial and industrial book ($37 million) is worsening: 9.06% of it is past due or on nonaccrual, up from 3.92% a year earlier. Net income for the quarter rose 20% from a year earlier, to $1.5 million. One more trend to watch: problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.94% of loans from 0.68% a year earlier.
As of June 30, 2026, Citizens Deposit Bank of Arlington, Inc. reported a return on assets of 1.70%, a nonperforming-loan ratio of 0.94% and a Texas ratio of 5.09%. The figures come from its call report filed with the FFIEC.
Of the 120 banks headquartered in Kentucky, Citizens Deposit Bank of Arlington, Inc. is the 57th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.7% to $348.2M, loans rose 4.2% and deposits rose 0.7%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 33.6% of total loans, followed by farmland and other real estate loans at 25.1%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities in KY; its Bardwell office books 37% of its branch deposits. On its Q2 2026 call report, Citizens Deposit Bank of Arlington, Inc. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1 Walnut St, Arlington, KY 42021
- County
- Carlisle
- Metro Area
- Paducah, KY-IL
- 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
- —
- Call Report form
- FFIEC 051
- Established
- December 1, 1949
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 56
- Domestic deposits
- $287.8M
- Allowance for credit losses
- $4.7M
- Net charge-offs (YTD)
- $24K
- Average total assets
- $351.3M
- Average total loans
- $251.3M
- Average interest-bearing deposits
- $235.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 1, 1949
- FDIC Cert
- 16852
- Fed RSSD
- 959443
- Website
- http://www.cdbky.com →
- Parent Holding Company
- CARLISLE BANCORP, INC. (RSSD 1100318)
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, Citizens Deposit Bank of Arlington, Inc. 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, Citizens Deposit Bank of Arlington, Inc.'s total assets ran between $290.3M (Q3 2023) and $348.2M (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
$348.2M total assets against $320.2M; $307.0M total liabilities against $283.6M.
$244.8M net loans and leases against $227.9M; $287.8M total deposits against $264.7M.
$68.5M securities against $62.4M; $21.1M cash and balances due against $16.0M.
$5.2M total interest income against $4.9M; $2.1M total interest expense against $2.1M.
$3.0M net interest income against $2.8M.
$281K total noninterest income against $224K; $1.8M total noninterest expense against $1.7M.
$30K provision for credit losses against $30K.
$1.5M net income against $1.2M.
1.70% return on assets against 1.56%; 3.61% net interest margin against 3.61%.
13.66% tier 1 leverage ratio against 14.24%.
Inside the full Citizens Deposit Bank of Arlington, Inc. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCitizens Deposit Bank of Arlington, Inc. rankings
Its closest position to the top of a national ranking is 909 of 3,611, for ROA; its furthest is 2,252 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.21% (Q3 2024) to 1.70% (Q2 2026) and its net interest margin ran from 3.19% (Q3 2024) to 3.61% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.66% | 1.70% | 0.94% | 5.09% | 3.61% |
| Q1 2026 | 13.40% | 1.46% | 0.70% | 3.82% | 3.46% |
| Q4 2025 | 13.53% | 1.47% | 0.67% | 3.69% | 3.53% |
| Q3 2025 | 13.76% | 1.47% | 0.16% | 0.88% | 3.55% |
| Q2 2025 | 14.24% | 1.56% | 0.68% | 3.83% | 3.61% |
| Q1 2025 | 14.14% | 1.31% | 0.96% | 5.30% | 3.42% |
| Q4 2024 | 14.14% | 1.45% | 0.67% | 3.83% | 3.28% |
| Q3 2024 | 14.33% | 1.21% | 0.50% | 2.67% | 3.19% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| Bardwell Branch | Bardwell , KY | 42023 | $105.3M |
| Citizens Deposit Bank of Arlington, Inc. (main office) | Arlington , KY | 42021 | $94.8M |
| Citizens Deposit Bank Cunningham Branch | Cunningham , KY | 42035 | $36.5M |
| Citizens Deposit Bank Kevil Location | Kevil , KY | 42053 | $31.1M |
| Wickliffe Branch | Wickliffe , KY | 42087 | $20.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in KY, rank 75 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 129 applications, 123 loans originated, $25.8M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $233K approved, $233K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2010 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Deposit Bank of Arlington, Inc.
What are Citizens Deposit Bank of Arlington, Inc.'s total assets?
As of the Q2 2026 filing, Citizens Deposit Bank of Arlington, Inc. reported total assets of $348.2 million in its FFIEC call report.
Where is Citizens Deposit Bank of Arlington, Inc. headquartered?
It is headquartered in Arlington, KY, United States.
When was Citizens Deposit Bank of Arlington, Inc. founded?
It was established in 1949, per the FDIC institution directory.
Is Citizens Deposit Bank of Arlington, Inc. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16852). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Deposit Bank of Arlington, Inc.?
Citizens Deposit Bank of Arlington, Inc.'s primary federal regulator is the FDIC.
How many branches does Citizens Deposit Bank of Arlington, Inc. operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens Deposit Bank of Arlington, Inc.'s Texas Ratio?
Its Texas Ratio is 5.09% 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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