Total Assets
$348M
Total balance-sheet footings
FDIC Cert #16852 · Arlington, Kentucky · Est. 1949
Citizens Deposit Bank of Arlington, Inc. - FDIC Bank Health Profile
A community-scale look at Citizens Deposit Bank of Arlington, Inc.'s own numbers, pulled straight from its quarterly FDIC Call Report.
- $348M
- Total assets
- A
- Health grade · Excellent
- 1.46%
- Return on assets
- 13.5%
- Tier 1 capital
Data updated July 2026
The verdict
Citizens Deposit Bank of Arlington, Inc. earns a PlainBankData health grade of A (87/100), with well-capitalized at 13.53% Tier 1, profitable at 1.46% ROA, efficient (59% cost ratio).
- #2,289
- largest of 4,313 FDIC banks by assets
- 47th
- percentile by asset size, nationally
- 13.53%
- Tier 1 ratio - above the 10% well-capitalized line
- 72nd
- 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.
How Citizens Deposit Bank of Arlington, Inc.'s 87/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Citizens Deposit Bank of Arlington, Inc.'s composite health score
Tier 1 Capital Ratio (13.53%) 35/40
Return on Assets (ROA) (1.46%) 20/25
Texas Ratio (3.69%) 20/20
Efficiency Ratio (58.90%) 12/15
87 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$289M
Customer-funded liabilities
Net Loans
$240M
Outstanding loan book
Net Income
$5M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Citizens Deposit Bank of Arlington, Inc. ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Citizens Deposit Bank of Arlington, Inc.'s score of 87/100 falls in the highlighted band.
Citizens Deposit Bank of Arlington, 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 Deposit Bank of Arlington, Inc.'s $348M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.53% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.53%
Texas Ratio
3.69%
Equity Capital
$40M
Profitability metrics
Return on Assets (ROA)
72nd percentile nationally
1.46%
Return on Equity (ROE)
12.79%
Efficiency Ratio
58.90%
What the numbers say about Citizens Deposit Bank of Arlington, Inc.
Citizens Deposit Bank of Arlington, Inc. is an FDIC-insured institution (Certificate #16852) headquartered in Arlington, Kentucky, established in 1949. It holds $348M in total assets - 2,289th of 4,313 FDIC-insured banks, $289M in customer deposits, and $240M in net loans. Capital-wise, the Tier 1 ratio sits at 13.53%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 3.69%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (87 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 Deposit Bank of Arlington, Inc. sits 57th of 120 banks headquartered in Kentucky by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$20M
Interest Income
$892K
Non-Interest Income
$7M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Citizens Deposit Bank of Arlington, Inc. reports a Texas Ratio of 3.69% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.69% - 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 Deposit Bank of Arlington, Inc. (FDIC Cert #16852) - 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 Deposit Bank of Arlington, Inc.'s health grade?▼
Citizens Deposit Bank of Arlington, Inc. receives a health grade of A (87/100) 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 Deposit Bank of Arlington, Inc.?▼
Citizens Deposit Bank of Arlington, Inc. holds $348M in total assets and $289M in deposits, ranking 2,289th of 4,313 FDIC-insured banks by asset size. It is headquartered in Arlington, Kentucky.
Is my money safe at Citizens Deposit Bank of Arlington, Inc.?▼
Yes, deposits at Citizens Deposit Bank of Arlington, Inc. (Certificate #16852) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Citizens Deposit Bank of Arlington, Inc.'s Tier 1 Capital Ratio?▼
Citizens Deposit Bank of Arlington, Inc. has a Tier 1 Capital Ratio of 13.53%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Citizens Deposit Bank of Arlington, Inc.?▼
Citizens Deposit Bank of Arlington, Inc. has a Texas Ratio of 3.69%. 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 Deposit Bank of Arlington, Inc.?▼
Citizens Deposit Bank of Arlington, Inc. has an Efficiency Ratio of 58.90%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Citizens Deposit Bank of Arlington, Inc.'s profile as a depositor or analyst.
- Citizens Deposit Bank of Arlington, Inc.'s grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Citizens Deposit Bank of Arlington, 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.