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Citizens Bank Of Cumberland County, Inc.
Burkesville, KY · FDIC Certificate #35442 · Chartered 07/0
Total assets
$94.88M
Total deposits
$80.46M
Total equity
$11.61M
Net loans
$67.23M
Branches (offices)
1
Net income (YTD)
$982.00K
Rank: #3,714 of 4,213 U.S. banks by assets · #106 of 120 in Kentucky. Assets changed 0.3% and deposits 1.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.06% |
| Return on equity | 17.46% |
| Net interest margin (YTD) | 5.02% |
| Equity to assets | 12.24% |
| Tier 1 leverage ratio | 12.25% |
| Uninsured deposits (share of deposits) | 12.0% |
| Noncurrent loans (share of loans) | 0.51% |
| Net charge-offs (share of loans) | 0.25% |
| Loans to deposits | 83.6% |
| Real estate loans (share of loans) | 83.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $56.06M | 83.4% | |
| Commercial & industrial | $2.61M | 3.9% | |
| Consumer / individual | $8.69M | 12.9% | |
| Construction & development | $4.68M | 7.0% | |
| Agricultural | $575.00K | 0.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $89.60M | $77.59M | $610.00K | $9.75M |
| Jun 2023 | $89.43M | $77.62M | $722.00K | $9.83M |
| Jun 2024 | $92.93M | $79.70M | $921.00K | $10.40M |
| Jun 2025 | $94.63M | $79.48M | $889.00K | $11.11M |
| Jun 2026 | $94.88M | $80.46M | $982.00K | $11.61M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $80.46M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $80.46M.
Similar-sized banks
Home National Bank ($94.96M) · Farmers Bank ($94.80M)
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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