Bank Comparison
Pennian Bank vs Citizens Bank of Kentucky, Inc
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
1 · 14
winning metrics across 16 scored rows (1 tied)
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Capital adequacy
| Metric | Pennian Bank | Citizens Bank of Kentucky, Inc |
|---|---|---|
| CET1 Ratio | 15.27% | 24.13% |
| Tier 1 Capital Ratio | 15.27% | 24.13% |
| Total Capital Ratio | 16.52% | 25.38% |
| Tier 1 Leverage Ratio | 9.24% | 13.99% |
| Equity / Assets | 7.45% | 12.56% |
Profitability
| Metric | Pennian Bank | Citizens Bank of Kentucky, Inc |
|---|---|---|
| Return on Assets (ROA) | 0.40% | 1.33% |
| Return on Equity (ROE) | 5.53% | 10.53% |
| Net Interest Margin (NIM) | 3.16% | 3.79% |
| Yield on Earning Assets | 4.75% | 4.87% |
| Cost of Funds | 1.67% | 1.21% |
Asset quality
| Metric | Pennian Bank | Citizens Bank of Kentucky, Inc |
|---|---|---|
| Texas Ratio | 20.10% | 3.32% |
| Non-Performing Loan Ratio | 2.47% | 0.68% |
| Non-Performing Asset Ratio | 1.66% | 0.36% |
| Net Charge-Off Ratio | 0.03% | 0.03% |
| ACL / Loans | 1.21% | 1.44% |
Balance sheet
| Metric | Pennian Bank | Citizens Bank of Kentucky, Inc |
|---|---|---|
| Total Assets | $667.9M | $646.2M |
| Total Deposits | $578.9M | $554.6M |
| Total Loans | $447.4M | $343.5M |
| Total Equity | $49.8M | $81.2M |
| Net Income (quarter) | $678K | $2.3M |
Liquidity & funding
| Metric | Pennian Bank | Citizens Bank of Kentucky, Inc |
|---|---|---|
| Loan-to-Deposit Ratio | 77.28% | 61.94% |
| Core Deposit Ratio | 93.67% | 91.84% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Pennian Bank | Citizens Bank of Kentucky, Inc |
|---|---|---|
| Headquarters City | Mifflintown | Paintsville |
| Headquarters State | PA | KY |
| Asset Tier | $100M to $1B in assets | $100M to $1B in assets |
| Regulator | FDIC | FED |
| Domestic Branches | 13 | 12 |
| Employees (FTE) | 139 | 113 |
| Established | April 19, 1889 | January 1, 1910 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
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