FDIC Cert #18620 · Jackson, Kentucky · Est. 1962

Citizens Bank & Trust Co. of Jackson - FDIC Bank Health Profile

A community-scale look at Citizens Bank & Trust Co. of Jackson's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$213M
Total assets
B
Health grade · Good
1.75%
Return on assets
14.8%
Tier 1 capital

Data updated July 2026

The verdict

Citizens Bank & Trust Co. of Jackson earns a PlainBankData health grade of B (78/100), with well-capitalized at 14.78% Tier 1, profitable at 1.75% ROA, 66% efficiency ratio.

#2,931
largest of 4,313 FDIC banks by assets
32nd
percentile by asset size, nationally
14.78%
Tier 1 ratio - above the 10% well-capitalized line
84th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 18620 · KY B · 78/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-B B (78/100)
  • MID-PACK #2237/4307
  • PHOTO-FINISH Farmers Savings Bank · IA
  • TIER1-WELL 14.8% Tier 1
  • TEXAS-HEALTHY 15.3% Texas
  • ROA-STRONG 1.75% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Kentucky: Farmers Savings Bank, IA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Citizens Bank & Trust Co. of Jackson

Lowest and highest poles plus nearest scored peers outside Kentucky, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Citizens Bank & Trus… · KY ·…78/100Farmers Savings Bank · IA · …78/100Hawaii National Bank · HI · …78/100Legacy Bank · VA · near78/100The Farmers State Ba… · KS ·…78/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Citizens Bank & Trust Co. of Jackson · July 2026

What Citizens Bank & Trust Co. of Jackson's Call Report plate shows

Citizens Bank & Trust Co. of Jackson (FDIC Cert #18620) carries a PlainBankData health grade of B at 78/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,237 of 4,307. Tier 1 capital prints at 14.78%, clearing the 10% well-capitalized line. The Texas Ratio is 15.32%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.75%. Balance-sheet scale is $213M, 2,931st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Farmers Savings Bank (IA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Citizens Bank & Trust Co. of Jackson

3 FAILURE resolutions in Kentucky since 2000 (3 since 2008)

Citizens Bank & Trust Co. of Jackson's home state sits in the middle band of post-2000 FAILURE counts (3; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Citizens Bank & Trust Co. of Jackson remains an active FDIC-insured reporter.

  • LOUISA COMMUNITY BANK LOUISA, KY 2019 → KENTUCKY FARMERS BANK CORPORATION
  • FIRST FEDERAL BANK LEXINGTON, KY 2013 → YOUR COMMUNITY BANK
  • IRWIN UNION BANK, FSB LOUISVILLE, KY 2009 → FIRST FINANCIAL BANK, N.A.

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Kentucky banks.

How Citizens Bank & Trust Co. of Jackson's 78/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10078/100
Citizens Bank & Trust Co. of Jackson's composite health score
Tier 1 Capital Ratio (14.78%) 35/40
Return on Assets (ROA) (1.75%) 25/25
Texas Ratio (15.32%) 10/20
Efficiency Ratio (66.42%) 8/15

78 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$213M

Total balance-sheet footings

Total Deposits

$189M

Customer-funded liabilities

Net Loans

$155M

Outstanding loan book

Net Income

$4M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 13.38% 14.78% 16.18%
Basel III capital ratios - Citizens Bank & Trust Co. of Jackson

Where Citizens Bank & Trust Co. of Jackson ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Citizens Bank & Trust Co. of Jackson's score of 78/100 falls in the highlighted band.

Citizens Bank & Trust Co. of Jackson: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

78 48th percentile higher than 48% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Citizens Bank & Trust Co. of Jackson 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Citizens Bank & Trust Co. of Jackson'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 & Trust Co. of Jackson's $213M falls in the highlighted band.

Safety ratios for Citizens Bank & Trust Co. of Jackson

Tier 1 capital ratio
Well-capitalized 10%

14.78% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
14.78%
Texas Ratio
15.32%
Equity Capital
$23M

What these ratios mean →

Earnings posture at Citizens Bank & Trust Co. of Jackson

Return on Assets (ROA)
84th percentile nationally
1.75%
Return on Equity (ROE)
16.83%
Efficiency Ratio
66.42%

What these mean →

Income & expense at Citizens Bank & Trust Co. of Jackson

$12M
Interest Income
$2M
Non-Interest Income
$8M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Citizens Bank & Trust Co. of Jackson reports a Texas Ratio of 15.32% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

15.32% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Citizens Bank & Trust Co. of Jackson on FDIC BankFind →

Top banks in Kentucky by total assets

Largest banks headquartered in Kentucky
  1. 1
    Stock Yards Bank & Trust Company $9.5B

    Louisville, KY · Grade A

  2. 2
    Republic Bank & Trust Company $7.0B

    Louisville, KY · Grade A

  3. 3
    Community Trust Bank, Inc. $6.6B

    Pikeville, KY · Grade A

  4. 4
    Central Bank & Trust Co. $3.9B

    Lexington, KY · Grade B

  5. 5
    Independence Bank of Kentucky $3.8B

    Owensboro, KY · Grade B

Top 5 banks in Kentucky ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($213M here), outside Kentucky so the neighborhood is not state containment.

MCS Bank $213M · PA Paper City Savings Bank, S.A. $213M · WI First State Bank of Bedias $213M · TX Farmers Savings Bank $213M · IA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Citizens Bank & Trust Co. of Jackson (FDIC Cert #18620) - 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.

Citizens Bank & Trust Co. of Jackson Call Report profile · FDIC Failed Bank List · Kentucky FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Kentucky

All Kentucky banks →
BankAssetsGradeROA
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%