Hyden Citizens Bank, Inc: 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: 7.21 percentage points higher than in Q1 2026, at 385.78%. Hyden Citizens Bank, Inc ranks 14th of 119 Kentucky banks on return on assets, in the upper half at 2.04% (Q2 2026). Hyden Citizens Bank, Inc's return on assets of 2.04% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.79 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.58% |
| Tier 1 risk-based capital ratio | 13.58% |
| Total risk-based capital ratio | 14.35% |
| Tier 1 leverage ratio | 9.18% |
| Equity capital to assets | 6.67% |
| Tangible equity to tangible assets | 6.67% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.25% |
| Non-performing assets ratio | 0.14% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 4.15% |
| Allowance for credit losses to loans | 0.96% |
| Reserve coverage of non-performing loans | 385.78% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.04% |
| Return on equity | 32.29% |
| Net interest margin | 4.09% |
| Efficiency ratio | 60.33% |
| Yield on earning assets | 5.25% |
| Cost of funds | 1.21% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 60.80% |
| Core deposits to total deposits | 95.12% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.71% |
| Securities to assets | 37.53% |
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 | 11.74% | 11.74% | 12.52% | 8.74% | 0.58% |
| Q4 2023 | 11.73% | 11.73% | 12.49% | 8.85% | 0.56% |
| Q1 2024 | 11.86% | 11.86% | 12.58% | 8.85% | 0.38% |
| Q2 2024 | 11.72% | 11.72% | 12.46% | 8.62% | 0.53% |
| Q3 2024 | 11.48% | 11.48% | 12.19% | 8.62% | 0.58% |
| Q4 2024 | 11.98% | 11.98% | 12.70% | 8.75% | 1.12% |
| Q1 2025 | 11.74% | 11.74% | 12.46% | 8.76% | 0.73% |
| Q2 2025 | 12.41% | 12.41% | 13.17% | 8.84% | 1.09% |
| Q3 2025 | 12.60% | 12.60% | 13.35% | 8.91% | 0.94% |
| Q4 2025 | 12.55% | 12.55% | 13.29% | 9.08% | 1.28% |
| Q1 2026 | 12.62% | 12.62% | 13.36% | 9.07% | 0.99% |
| Q2 2026 | 13.58% | 13.58% | 14.35% | 9.18% | 2.04% |
Hyden Citizens Bank, Inc vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Hyden Citizens Bank, Inc, 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 Hyden Citizens Bank, Inc profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 281) · FFIEC NIC profile (RSSD 211114)