Hyden Citizens Bank, Inc
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Data as of · sourced from FFIEC call reports. How we update
Hyden Citizens Bank, Inc is an FDIC-insured commercial bank headquartered in Hyden, KY, established in 1904 (FDIC certificate 281), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $148.6M, up 3.3% from Q2 2025, the 96th largest of 120 banks headquartered in Kentucky. Its CET1 capital ratio was 13.58% 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
- 281
- Headquarters
- Hyden, KY
- Established
- 1904
- Total assets, Q2 2026
- $148.6M
- Assets vs Q2 2025
- +3.3%
- CET1 ratio, Q2 2026
- 13.58%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 042105170
- Latest call report
- Q2 2026, FFIEC 041 · Hyden Citizens Bank, Inc call report
- Holding company
- MIDDLEFORK FINANCIAL GROUP INC.
- Asset rank in state
- 96th of 120 in Kentucky
Hyden Citizens Bank, Inc is one of the more profitable banks of its size. Based in Hyden, Kentucky, it had $149 million in assets at June 30, 2026, up 3.3% from a year earlier. It returns 32.3% a year on shareholders' equity, 2.6 times the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it funds 9.18% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
Earnings jumped: net income for the quarter was $778,000, 91% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $4.1 million equal 29% of Tier 1 capital, down from 38% a year earlier. One more trend to watch: problem loans have nearly doubled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.54% of loans, against 0.28% a year earlier.
As of June 30, 2026, Hyden Citizens Bank, Inc reported a CET1 capital ratio of 13.58%, a return on assets of 2.04%, a nonperforming-loan ratio of 0.54% and a Texas ratio of 4.15%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Hyden Citizens Bank, Inc is the 96th largest of the 120 banks headquartered in Kentucky. From Q1 2026 to Q2 2026, its total assets rose 3.0% to $148.6M, loans fell 1.5% and deposits rose 5.1%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 40.3% of total loans, ahead of construction and land development loans at 18.6%. Its 4 offices in the FDIC Summary of Deposits are in Hyden, KY, Hoskinston, KY and Wooton, KY; its Hyden 2 offices book 94% of its branch deposits. Judged on its Q2 2026 call report, Hyden Citizens Bank, Inc meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 22023 Main St, Hyden, KY 41749
- County
- Leslie
- 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
- —
- Call Report form
- FFIEC 041
- Established
- September 1, 1904
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 31
- Domestic deposits
- $134.8M
- Allowance for credit losses
- $787K
- Net charge-offs (YTD)
- $13K
- Average total assets
- $152.5M
- Average total loans
- $83.3M
- Average interest-bearing deposits
- $97.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 281
- Fed RSSD
- 211114
- SEC CIK
- 1270495 → filed by MIDDLEFORK FINANCIAL GROUP INC.
- Parent Holding Company
- MIDDLEFORK FINANCIAL GROUP INC. (RSSD 1071539)
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, Hyden Citizens Bank, Inc's total assets ran between $142.0M (Q3 2023) and $148.6M (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
$148.6M total assets against $143.8M; $138.7M total liabilities against $135.6M.
$81.2M net loans and leases against $79.5M; $134.8M total deposits against $132.3M.
$55.8M securities against $52.6M; $6.4M cash and balances due against $6.2M.
$1.9M total interest income against $1.8M; $417K total interest expense against $483K.
$1.4M net interest income against $1.3M.
$532K total noninterest income against $280K; $1.2M total noninterest expense against $1.2M.
$0 provision for credit losses against $0.
$778K net income against $408K.
2.04% return on assets against 1.09%; 4.09% net interest margin against 3.72%.
13.58% CET1 capital ratio against 12.41%; 9.18% tier 1 leverage ratio against 8.84%.
Inside the full Hyden Citizens Bank, Inc terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeHyden Citizens Bank, Inc rankings
Its closest position to the top of a national ranking is 443 of 3,611, for ROA; its furthest is 3,303 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.58% (Q3 2024) to 2.04% (Q2 2026) and its net interest margin ran from 3.37% (Q3 2024) to 4.11% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.58% | 2.04% | 0.54% | 4.15% | 4.09% |
| Q1 2026 | 12.62% | 0.99% | 0.33% | 2.74% | 4.11% |
| Q4 2025 | 12.55% | 1.28% | 0.35% | 2.78% | 4.05% |
| Q3 2025 | 12.60% | 0.94% | 0.35% | 2.93% | 4.00% |
| Q2 2025 | 12.41% | 1.09% | 0.28% | 2.45% | 3.72% |
| Q1 2025 | 11.74% | 0.73% | 0.25% | 2.40% | 3.66% |
| Q4 2024 | 11.98% | 1.12% | 0.34% | 3.53% | 3.57% |
| Q3 2024 | 11.48% | 0.58% | 0.37% | 3.47% | 3.37% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Hyden Citizens Bank | Hyden , KY | 41749 | $119.9M |
| Hurts Creek Center Branch | Hyden , KY | 41749 | $6.3M |
| Hoskinston Branch | Hoskinston , KY | 40844 | $4.8M |
| Wooton Branch | Wooton , KY | 41776 | $3.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in KY, rank 114 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $85K approved, $85K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2000 (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 Hyden Citizens Bank, Inc
What are Hyden Citizens Bank, Inc's total assets?
As of the Q2 2026 filing, Hyden Citizens Bank, Inc reported total assets of $148.6 million in its FFIEC call report.
Where is Hyden Citizens Bank, Inc headquartered?
It is headquartered in Hyden, KY, United States.
When was Hyden Citizens Bank, Inc founded?
It was established in 1904, per the FDIC institution directory.
Is Hyden Citizens Bank, Inc FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #281). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Hyden Citizens Bank, Inc?
Hyden Citizens Bank, Inc's primary federal regulator is the FDIC.
What is Hyden Citizens Bank, Inc's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.58% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Hyden Citizens Bank, Inc operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Hyden Citizens Bank, Inc's Texas Ratio?
Its Texas Ratio is 4.15% 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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