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Citizens Bank & Trust Co. Of Jackson
Jackson, KY · FDIC Certificate #18620 · Chartered 11/1
Total assets
$217.27M
Total deposits
$190.89M
Total equity
$22.89M
Net loans
$160.55M
Branches (offices)
3
Net income (YTD)
$1.10M
Rank: #2,879 of 4,213 U.S. banks by assets · #79 of 120 in Kentucky. Assets changed 0.7% and deposits -0.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.02% |
| Return on equity | 9.63% |
| Net interest margin (YTD) | 4.44% |
| Equity to assets | 10.54% |
| Tier 1 leverage ratio | 9.71% |
| Uninsured deposits (share of deposits) | 16.3% |
| Noncurrent loans (share of loans) | 3.35% |
| Net charge-offs (share of loans) | 0.10% |
| Loans to deposits | 84.1% |
| Real estate loans (share of loans) | 79.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $126.86M | 79.0% | |
| Commercial & industrial | $23.18M | 14.4% | |
| Consumer / individual | $11.09M | 6.9% | |
| Construction & development | $18.03M | 11.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $177.01M | $160.73M | $918.00K | $15.66M |
| Jun 2023 | $194.55M | $175.50M | $1.58M | $18.24M |
| Jun 2024 | $205.14M | $182.59M | $1.32M | $19.47M |
| Jun 2025 | $215.78M | $191.26M | $1.36M | $21.46M |
| Jun 2026 | $217.27M | $190.89M | $1.10M | $22.89M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $190.89M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $190.89M.
Similar-sized banks
Bank ($217.42M) · First Texas National Bank ($216.95M)
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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