Citizens Bank & Trust Co. of Jackson: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Asset quality shifted last quarter, NPLs rose to 3.03% from 1.98% in the prior period. Citizens Bank & Trust Co. of Jackson is an FDIC-insured commercial bank. As of Q2 2026, the bank held approximately $217M in total assets and $191M in deposits. Earnings are mid-range, 1.00% ROA and a 4.38% net interest margin. Capital is comfortably above regulatory requirements, CET1 ratio of 14.35% sits well above the 7% level required once the capital conservation buffer is included. Credit metrics show stress, 3.03% NPLs and a 28.06% Texas Ratio above the 100% historical failure threshold. 3 branches make up the footprint.
As of June 30, 2026, Citizens Bank & Trust Co. of Jackson reported a CET1 capital ratio of 14.35%, a return on assets of 1.00%, a nonperforming-loan ratio of 3.03%, a Texas ratio of 28.06%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 720 Highway 15 S, Jackson, KY 41339
- County
- Breathitt
- 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- November 17, 1962
- Former names
- Citizens Bank of Jackson (1973-1988)
- Offices
- 3 domestic
- Employees (FTE)
- 45
- Domestic deposits
- $190.9M
- Allowance for credit losses
- $2.1M
- Net charge-offs (YTD)
- $83K
- Average total assets
- $217.4M
- Average total loans
- $162.1M
- Average interest-bearing deposits
- $142.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 17, 1962
- FDIC Cert
- 18620
- Fed RSSD
- 765318
- Website
- www.citizensbankjackson.bank →
- Parent Holding Company
- JOHN R TURNER HOLDING COMPANY (RSSD 2753869)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 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 & Trust Co. of Jackson terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Citizens Bank & Trust Co. of Jackson, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans, well above the typical community-bank range of 0.5–1.5%. BankRegReports band vs the 0.5–1.5% industry norm.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Citizens Bank & Trust Co. of Jackson 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 & Trust Co. of Jackson: Texas 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 | 14.35% | 1.00% | 3.03% | 28.06% | 4.38% |
| Q1 2026 | 13.71% | 1.03% | 1.98% | 25.53% | 4.39% |
| Q4 2025 | 14.78% | 1.70% | 0.54% | 20.80% | 4.63% |
| Q3 2025 | 14.81% | 2.70% | 0.54% | 11.72% | 4.62% |
| Q2 2025 | 13.29% | 1.35% | 0.11% | 12.67% | 4.60% |
| Q1 2025 | 13.48% | 1.22% | 0.24% | 14.14% | 4.46% |
| Q4 2024 | 13.22% | 1.29% | 0.20% | 11.88% | 4.47% |
| Q3 2024 | 13.28% | 1.65% | 0.05% | 11.80% | 4.56% |
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 3 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Citizens Bank & Trust Co. of Jackson (main office) | Jackson , KY | 41339 | $137.2M |
| Beattyville Ky Branch | Beattyville , KY | 41311 | $38.5M |
| 1138 Main Street Branch | Jackson , KY | 41339 | $15.2M |
Regulatory record
What the public regulatory sources show for Citizens Bank & Trust Co. of Jackson, 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
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in KY, rank 98 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. 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 & Trust Co. of Jackson
What are Citizens Bank & Trust Co. of Jackson's total assets?
As of the Q2 2026 filing, Citizens Bank & Trust Co. of Jackson reported total assets of $217.3 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Citizens Bank & Trust Co. of Jackson headquartered?
Citizens Bank & Trust Co. of Jackson is headquartered in Jackson, KY, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Citizens Bank & Trust Co. of Jackson founded?
Citizens Bank & Trust Co. of Jackson was established in 1962, per the FDIC institution directory.
Is Citizens Bank & Trust Co. of Jackson FDIC-insured?
Yes. Citizens Bank & Trust Co. of Jackson is an FDIC-insured commercial bank (FDIC Certificate #18620). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Bank & Trust Co. of Jackson?
Citizens Bank & Trust Co. of Jackson's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Citizens Bank & Trust Co. of Jackson's CET1 capital ratio?
Citizens Bank & Trust Co. of Jackson reported a Common Equity Tier 1 (CET1) capital ratio of 14.35% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Citizens Bank & Trust Co. of Jackson operate?
Citizens Bank & Trust Co. of Jackson operates 3 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 & Trust Co. of Jackson's Texas Ratio?
Citizens Bank & Trust Co. of Jackson's Texas Ratio is 28.06% in its Q2 2026 call report, within the typical range for US community banks (25–50%). 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 & Trust Co. of Jackson previously called?
The charter now named Citizens Bank & Trust Co. of Jackson has also operated as Citizens Bank of Jackson (1973-1988), per FDIC structure-change records.
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