Total Assets
$146M
Total balance-sheet footings
FDIC Cert #281 · Hyden, Kentucky · Est. 1904
Hyden Citizens Bank - FDIC Bank Health Profile
A community-scale look at Hyden Citizens Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $146M
- Total assets
- B
- Health grade · Good
- 1.04%
- Return on assets
- 12.6%
- Tier 1 capital
Data updated July 2026
The verdict
Hyden Citizens Bank earns a PlainBankData health grade of B (79/100), with well-capitalized at 12.55% Tier 1, profitable at 1.04% ROA, 75% efficiency ratio.
- #3,385
- largest of 4,313 FDIC banks by assets
- 21st
- percentile by asset size, nationally
- 12.55%
- Tier 1 ratio - above the 10% well-capitalized line
- 46th
- 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 Hyden Citizens Bank's 79/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Hyden Citizens Bank's composite health score
Tier 1 Capital Ratio (12.55%) 35/40
Return on Assets (ROA) (1.04%) 20/25
Texas Ratio (2.78%) 20/20
Efficiency Ratio (74.51%) 4/15
79 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$128M
Customer-funded liabilities
Net Loans
$82M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Hyden Citizens Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Hyden Citizens Bank's score of 79/100 falls in the highlighted band.
Hyden Citizens Bank'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). Hyden Citizens Bank's $146M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.55% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.55%
Texas Ratio
2.78%
Equity Capital
$10M
Profitability metrics
Return on Assets (ROA)
46th percentile nationally
1.04%
Return on Equity (ROE)
17.94%
Efficiency Ratio
74.51%
What the numbers say about Hyden Citizens Bank
Hyden Citizens Bank is an FDIC-insured institution (Certificate #281) headquartered in Hyden, Kentucky, established in 1904. It holds $146M in total assets - 3,385th of 4,313 FDIC-insured banks, $128M in customer deposits, and $82M in net loans. On safety, its Tier 1 capital ratio of 12.55% is above the 10% well-capitalized threshold, and its Texas Ratio of 2.78% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (79/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, Hyden Citizens Bank ranks 96th of 120 banks based in Kentucky -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$7M
Interest Income
$813K
Non-Interest Income
$5M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Hyden Citizens Bank reports a Texas Ratio of 2.78% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.78% - 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) Hyden Citizens Bank (FDIC Cert #281) - 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 Hyden Citizens Bank's health grade?▼
Hyden Citizens Bank receives a health grade of B (79/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Hyden Citizens Bank?▼
Hyden Citizens Bank holds $146M in total assets and $128M in deposits, ranking 3,385th of 4,313 FDIC-insured banks by asset size. It is headquartered in Hyden, Kentucky.
Is my money safe at Hyden Citizens Bank?▼
Yes, deposits at Hyden Citizens Bank (Certificate #281) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Hyden Citizens Bank's Tier 1 Capital Ratio?▼
Hyden Citizens Bank has a Tier 1 Capital Ratio of 12.55%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Hyden Citizens Bank?▼
Hyden Citizens Bank has a Texas Ratio of 2.78%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Hyden Citizens Bank?▼
Hyden Citizens Bank has an Efficiency Ratio of 74.51%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Hyden Citizens Bank's profile as a depositor or analyst.
- Hyden Citizens Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Hyden Citizens Bank 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.