What is Citizens Bank of Kentucky, Inc.'s financial health grade?

Citizens Bank of Kentucky, Inc. has a TFS Financial Health Grade of C (score: 73.5/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Citizens Bank of Kentucky, Inc. have?

Citizens Bank of Kentucky, Inc. has 12 branch locations across the United States.

Is Citizens Bank of Kentucky, Inc. FDIC insured?

Yes, Citizens Bank of Kentucky, Inc. is FDIC insured (Certificate #2718).

What are the total assets of Citizens Bank of Kentucky, Inc.?

Citizens Bank of Kentucky, Inc. has total assets of $689.3M as reported in its most recent FDIC filing.

Citizens Bank of Kentucky, Inc.

BankPaintsville, Kentucky

http://www.wercitizens.bank

Total Assets

$689.3M

Total Deposits

$591.4M

Branches

Established

1910

TFS Health Grade

73.5 / 100

Average financial health

How we grade

Citizens Bank of Kentucky, Inc. is a bank headquartered in Paintsville, Kentucky, established in 1910. With $689.3M in total assets and 12 branch locations, it has a TFS Financial Health Grade of C (73.5/100).

Capital & Safety

Tier 1 Capital Ratio

12.83%(8%)

Total Capital Ratio

24.64%(10%)

Non-Performing Loan Ratio

0.72%

Profitability

Return on Assets (ROA)

0.92%(1%)

Return on Equity (ROE)

7.61%(10%)

Net Interest Margin

3.38%

Efficiency Ratio

69.64%(60%)

Lending & Liquidity

Total Loans

$336.7M

Loan-to-Deposit Ratio

56.11%

Net Charge-Off Ratio

0.01%

Growth

Asset Growth (YoY)

+4.49%

Deposit Growth (YoY)

+3.05%

Net Income

$6.3M

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
Citizens Bank of Kentucky, Inc.HQ	620 Broadway St	Paintsville	KY	11
Citizens Bank of Kentucky, Inc.	6474 Kentucky 1428	Allen	KY	11
Citizens Bank of Kentucky, Inc.	735 Central Ave	Ashland	KY	11
Citizens Bank of Kentucky, Inc.	167 S Carol Malone Blvd	Grayson	KY	11
Citizens Bank of Kentucky, Inc.	3651 Highway 2565	Louisa	KY	11
Citizens Bank of Kentucky, Inc.	9674 Kentucky 122	Mc Dowell	KY	11
Citizens Bank of Kentucky, Inc.	333 Kentucky 321	Paintsville	KY	11
Citizens Bank of Kentucky, Inc.	4367 N Mayo Trl	Pikeville	KY	11
Citizens Bank of Kentucky, Inc.	247 Hambley Blvd	Pikeville	KY	11
Citizens Bank of Kentucky, Inc.	50 Franklin Cor	Prestonsburg	KY	11
Citizens Bank of Kentucky, Inc.	Route 114 East Mountain Parkway	Salyersville	KY	11
Citizens Bank of Kentucky, Inc.	695 Bullion Blvd	Winchester	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.