Total Assets
$689M
Total balance-sheet footings
FDIC Cert #2718 · Paintsville, Kentucky · Est. 1910
Citizens Bank of Kentucky, Inc. - FDIC Bank Health Profile
A community-scale look at Citizens Bank of Kentucky, Inc.'s own numbers, pulled straight from its quarterly FDIC Call Report.
- $689M
- Total assets
- A
- Health grade · Excellent
- 0.92%
- Return on assets
- 23.4%
- Tier 1 capital
Data updated July 2026
The verdict
Citizens Bank of Kentucky, Inc. earns a PlainBankData health grade of A (82/100), with well-capitalized at 23.39% Tier 1, 0.92% ROA, 70% efficiency ratio.
- #1,397
- largest of 4,313 FDIC banks by assets
- 68th
- percentile by asset size, nationally
- 23.39%
- Tier 1 ratio - above the 10% well-capitalized line
- 37th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Citizens Bank of Kentucky, Inc.'s 82/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Citizens Bank of Kentucky, Inc.'s composite health score
Tier 1 Capital Ratio (23.39%) 40/40
Return on Assets (ROA) (0.92%) 14/25
Texas Ratio (2.59%) 20/20
Efficiency Ratio (69.64%) 8/15
82 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$591M
Customer-funded liabilities
Net Loans
$332M
Outstanding loan book
Net Income
$6M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Citizens Bank of Kentucky, Inc. ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Citizens Bank of Kentucky, Inc.'s score of 82/100 falls in the highlighted band.
Citizens Bank of Kentucky, Inc.'s size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Citizens Bank of Kentucky, Inc.'s $689M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
23.39% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
23.39%
Texas Ratio
2.59%
Equity Capital
$89M
Profitability metrics
Return on Assets (ROA)
37th percentile nationally
0.92%
Return on Equity (ROE)
7.61%
Efficiency Ratio
69.64%
What the numbers say about Citizens Bank of Kentucky, Inc.
Citizens Bank of Kentucky, Inc. is an FDIC-insured institution (Certificate #2718) headquartered in Paintsville, Kentucky, established in 1910. It holds $689M in total assets - 1,397th of 4,313 FDIC-insured banks, $591M in customer deposits, and $332M in net loans. Its capital position: a Tier 1 ratio of 23.39%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 2.59% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (82 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Citizens Bank of Kentucky, Inc. sits 27th of 120 banks headquartered in Kentucky by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$29M
Interest Income
$4M
Non-Interest Income
$18M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Citizens Bank of Kentucky, Inc. reports a Texas Ratio of 2.59% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.59% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Kentucky by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Citizens Bank of Kentucky, Inc. (FDIC Cert #2718) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Kentucky
All Kentucky banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Stock Yards Bank & Trust CompanyLouisville | $9.5B | A | 1.57% |
| Republic Bank & Trust CompanyLouisville | $7.0B | A | 1.89% |
| Community Trust Bank, Inc.Pikeville | $6.6B | A | 1.50% |
| Central Bank & Trust Co.Lexington | $3.9B | B | 1.16% |
| Independence Bank of KentuckyOwensboro | $3.8B | B | 0.80% |
| Traditional Bank, Inc.Mount Sterling | $2.5B | B | 0.80% |
| Heritage Bank, Inc.Burlington | $2.1B | B | 1.08% |
| South Central Bank, Inc.Glasgow | $2.1B | A | 1.25% |
Frequently asked questions
What is Citizens Bank of Kentucky, Inc.'s health grade?▼
Citizens Bank of Kentucky, Inc. receives a health grade of A (82/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Citizens Bank of Kentucky, Inc.?▼
Citizens Bank of Kentucky, Inc. holds $689M in total assets and $591M in deposits, ranking 1,397th of 4,313 FDIC-insured banks by asset size. It is headquartered in Paintsville, Kentucky.
Is my money safe at Citizens Bank of Kentucky, Inc.?▼
Yes, deposits at Citizens Bank of Kentucky, Inc. (Certificate #2718) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Citizens Bank of Kentucky, Inc.'s Tier 1 Capital Ratio?▼
Citizens Bank of Kentucky, Inc. has a Tier 1 Capital Ratio of 23.39%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Citizens Bank of Kentucky, Inc.?▼
Citizens Bank of Kentucky, Inc. has a Texas Ratio of 2.59%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Citizens Bank of Kentucky, Inc.?▼
Citizens Bank of Kentucky, Inc. has an Efficiency Ratio of 69.64%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Citizens Bank of Kentucky, Inc.'s profile as a depositor or analyst.
- Citizens Bank of Kentucky, Inc.'s grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Citizens Bank of Kentucky, Inc. against other Kentucky banks before moving funds. Kentucky banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.