The Citizens Bank

BankHickman, Kentucky
www.citizenshickman.com

Total Assets

$221.3M

Total Deposits

$194.5M

Branches

3

Established

1930

TFS Health Grade

$
C-

72.1 / 100

Average financial health

How we grade

The Citizens Bank is a bank headquartered in Hickman, Kentucky, established in 1930. With $221.3M in total assets and 3 branch locations, it has a TFS Financial Health Grade of C- (72.1/100).

Capital & Safety

Tier 1 Capital Ratio
12.26%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.14%

Profitability

Return on Assets (ROA)
1.44%(1%)
Return on Equity (ROE)
13.47%(10%)
Net Interest Margin
3.64%
Efficiency Ratio
62.41%(60%)

Lending & Liquidity

Total Loans
$160.0M
Loan-to-Deposit Ratio
81.39%
Net Charge-Off Ratio
0.08%

Growth

Asset Growth (YoY)
+12.26%
Deposit Growth (YoY)
+10.71%
Net Income
$3.0M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Other banks in Kentucky