What is The Citizens Bank's financial health grade?

The Citizens Bank has a TFS Financial Health Grade of B- (score: 80.0/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does The Citizens Bank have?

The Citizens Bank has 5 branch locations across the United States.

Is The Citizens Bank FDIC insured?

Yes, The Citizens Bank is FDIC insured (Certificate #10520).

What are the total assets of The Citizens Bank?

The Citizens Bank has total assets of $232.0M as reported in its most recent FDIC filing.

The Citizens Bank

BankMorehead, Kentucky

www.tcbanytime.com

Total Assets

$232.0M

Total Deposits

$176.5M

Branches

Established

1928

TFS Health Grade

B-

80.0 / 100

Good financial health

How we grade

The Citizens Bank is a bank headquartered in Morehead, Kentucky, established in 1928. With $232.0M in total assets and 5 branch locations, it has a TFS Financial Health Grade of B- (80.0/100).

Capital & Safety

Tier 1 Capital Ratio

8.07%(8%)

Total Capital Ratio

16.75%(10%)

Non-Performing Loan Ratio

0.03%

Profitability

Return on Assets (ROA)

2.00%(1%)

Return on Equity (ROE)

26.94%(10%)

Net Interest Margin

4.80%

Efficiency Ratio

60.92%(60%)

Lending & Liquidity

Total Loans

$147.3M

Loan-to-Deposit Ratio

82.59%

Net Charge-Off Ratio

0.07%

Growth

Asset Growth (YoY)

+14.45%

Deposit Growth (YoY)

+0.83%

Net Income

$4.4M

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.

Branch	Address	City	State	Type
The Citizens BankHQ	114 W Main St	Morehead	KY	11
The Citizens Bank	216 Trademore Shopping Ctr	Morehead	KY	11
The Citizens Bank	22 E Main Street	Owingsville	KY	11
The Citizens Bank	648 Main St	Sharpsburg	KY	11
The Citizens Bank	335 Prestonsburg St	West Liberty	KY	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.