Citizens Bank of Kentucky, Inc: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Citizens Bank of Kentucky, Inc is a locally rooted FDIC-insured community bank based in Paintsville, KY. On its most recent Q3 2026 call report, Citizens Bank of Kentucky, Inc reported $646M in total assets against $555M in deposits. Returns are notably above industry norms: 1.33% ROA, 10.53% ROE, and 3.79% NIM. Capital is comfortably above regulatory requirements, CET1 ratio of 24.13% sits well above the 7% level required once the capital conservation buffer is included. Credit metrics are in line with industry norms, 0.68% NPL ratio. Citizens Bank of Kentucky, Inc operates a 12-branch network.
As of September 30, 2026, Citizens Bank of Kentucky, Inc reported a CET1 capital ratio of 24.13%, a return on assets of 1.33%, a nonperforming-loan ratio of 0.68%, a Texas ratio of 3.32%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 620 Broadway St, Paintsville, KY 41240
- County
- Johnson
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1910
- Former names
- Citizens National Bank of Paintsville (2007-2016)
- Offices
- 12 domestic
- Employees (FTE)
- 113
- Domestic deposits
- $554.6M
- Allowance for credit losses
- $4.9M
- Net charge-offs (YTD)
- $80K
- Average total assets
- $674.9M
- Average total loans
- $350.5M
- Average interest-bearing deposits
- $395.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2718
- Fed RSSD
- 495419
- Website
- http://www.wercitizens.bank →
- Parent Holding Company
- CITIZENS NATIONAL CORPORATION (RSSD 1071623)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through September 30, 2026, as filed. Net income is tagged Q3 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Citizens Bank of Kentucky, Inc terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Citizens Bank of Kentucky, Inc, freeCitizens Bank of Kentucky, Inc rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Citizens Bank of Kentucky, Inc: CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 23.49% | 1.10% | 0.84% | 3.70% | 3.60% |
| Q1 2026 | 23.46% | 0.95% | 0.68% | 2.99% | 3.44% |
| Q4 2025 | 23.39% | 1.02% | 0.72% | 3.25% | 3.38% |
| Q3 2025 | 23.53% | 0.88% | 0.75% | 3.39% | 3.30% |
| Q2 2025 | 23.40% | 0.95% | 0.75% | 3.63% | 3.34% |
| Q1 2025 | 23.17% | 0.77% | 0.80% | 3.99% | 3.16% |
| Q4 2024 | 23.19% | 0.88% | 0.78% | 4.05% | 3.12% |
| Q3 2024 | 23.08% | 0.91% | 0.43% | 2.16% | 3.24% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 12 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Citizens Bank of Kentucky, Inc. | Paintsville , KY | 41240 | $164.8M |
| Centerpointe Branch | Prestonsburg , KY | 41653 | $70.0M |
| Mayo Shopping Plaza Branch | Paintsville , KY | 41240 | $53.3M |
| Louisa Branch | Louisa , KY | 41230 | $51.4M |
| Ashland Branch | Ashland , KY | 41101 | $51.0M |
| Salyersville Branch | Salyersville , KY | 41465 | $48.7M |
| Pikeville Branch | Pikeville , KY | 41501 | $36.0M |
| Mcdowell Branch | Mc Dowell , KY | 41647 | $33.5M |
| Weddington Plaza Branch | Pikeville , KY | 41501 | $20.4M |
| Grayson Branch | Grayson , KY | 41143 | $15.0M |
| Winchester Branch | Winchester , KY | 40391 | $14.5M |
| Allen Branch | Allen , KY | 41601 | $12.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 9, 2016 | Structure Change | Acquired Alliance Banking Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 8, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 23, 2014 | Structure Change | Acquired Peoples Security Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 22, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 10, 2007 | Structure Change | Acquired Kentucky National Bank of Pikeville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 27, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 24, 2006 | Structure Change | Acquired Heritage Bank of Ashland, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 17, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 31, 2006 | Structure Change | Acquired CNC Mortgage, L.L.C. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 31, 2006 | Structure Change | Acquired Citco Financial Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 26, 1999 | Structure Change | Acquired The Bank Josephine Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 25, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 12 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Citizens Bank of Kentucky, Inc, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC)
- February 23, 2010, OCC: Formal Agreement: Citizens National Bank of Paintsville
- Period: Most recent institution action February 23, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.5% of deposits in KY, rank 41 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 149 applications, 98 loans originated, $25.3M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Citizens Bank of Kentucky, Inc
What are Citizens Bank of Kentucky, Inc's total assets?
As of the Q3 2026 filing, Citizens Bank of Kentucky, Inc reported total assets of $646.2 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Citizens Bank of Kentucky, Inc headquartered?
Citizens Bank of Kentucky, Inc is headquartered in Paintsville, KY, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Citizens Bank of Kentucky, Inc founded?
Citizens Bank of Kentucky, Inc was established in 1910, per the FDIC institution directory.
Is Citizens Bank of Kentucky, Inc FDIC-insured?
Yes. Citizens Bank of Kentucky, Inc is an FDIC-insured commercial bank (FDIC Certificate #2718). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Bank of Kentucky, Inc?
Citizens Bank of Kentucky, Inc's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Citizens Bank of Kentucky, Inc's CET1 capital ratio?
Citizens Bank of Kentucky, Inc reported a Common Equity Tier 1 (CET1) capital ratio of 24.13% in its Q3 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Citizens Bank of Kentucky, Inc operate?
Citizens Bank of Kentucky, Inc operates 12 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens Bank of Kentucky, Inc's Texas Ratio?
Citizens Bank of Kentucky, Inc's Texas Ratio is 3.32% in its Q3 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Citizens Bank of Kentucky, Inc previously called?
The charter now named Citizens Bank of Kentucky, Inc has also operated as Citizens National Bank of Paintsville (2007-2016), per FDIC structure-change records.
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