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Citizens Bank
Mount Vernon, KY · FDIC Certificate #262 · Chartered 01/0
Total assets
$250.35M
Total deposits
$221.56M
Total equity
$20.80M
Net loans
$213.02M
Branches (offices)
5
Net income (YTD)
$1.97M
Rank: #2,712 of 4,213 U.S. banks by assets · #69 of 120 in Kentucky. Assets changed 3.1% and deposits 4.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.57% |
| Return on equity | 19.59% |
| Net interest margin (YTD) | 4.16% |
| Equity to assets | 8.31% |
| Tier 1 leverage ratio | 8.09% |
| Uninsured deposits (share of deposits) | 17.5% |
| Noncurrent loans (share of loans) | 0.96% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 96.1% |
| Real estate loans (share of loans) | 86.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $183.42M | 86.1% | |
| Commercial & industrial | $17.74M | 8.3% | |
| Consumer / individual | $9.86M | 4.6% | |
| Construction & development | $23.09M | 10.8% | |
| Agricultural | $2.11M | 1.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $184.19M | $163.67M | $901.00K | $16.21M |
| Jun 2023 | $205.25M | $176.19M | $1.02M | $16.22M |
| Jun 2024 | $213.75M | $182.77M | $876.00K | $17.15M |
| Jun 2025 | $242.74M | $212.17M | $1.61M | $18.79M |
| Jun 2026 | $250.35M | $221.56M | $1.97M | $20.80M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $221.56M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $221.56M.
Similar-sized banks
The First National Bank In Trinidad ($250.52M) · The City National Bank Of Taylor ($250.35M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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