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Citizens Bank & Trust Company
Campbellsville, KY · FDIC Certificate #15675 · Chartered 01/0
Total assets
$383.40M
Total deposits
$333.87M
Total equity
$47.05M
Net loans
$202.39M
Branches (offices)
4
Net income (YTD)
$2.35M
Rank: #2,131 of 4,213 U.S. banks by assets · #53 of 120 in Kentucky. Assets changed 4.4% and deposits 3.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.24% |
| Return on equity | 10.13% |
| Net interest margin (YTD) | 3.13% |
| Equity to assets | 12.27% |
| Tier 1 leverage ratio | 13.12% |
| Uninsured deposits (share of deposits) | 37.0% |
| Noncurrent loans (share of loans) | 0.57% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 60.6% |
| Real estate loans (share of loans) | 74.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $150.33M | 74.3% | |
| Commercial & industrial | $46.08M | 22.8% | |
| Consumer / individual | $6.58M | 3.3% | |
| Construction & development | $6.48M | 3.2% | |
| Agricultural | $1.25M | 0.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $293.99M | $257.91M | $1.58M | $34.80M |
| Jun 2023 | $310.62M | $272.14M | $1.43M | $36.65M |
| Jun 2024 | $329.91M | $288.58M | $1.46M | $39.07M |
| Jun 2025 | $367.24M | $321.80M | $1.69M | $43.22M |
| Jun 2026 | $383.40M | $333.87M | $2.35M | $47.05M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $333.87M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $333.87M.
Similar-sized banks
The Delaware National Bank Of Delhi ($384.12M) · The Harbor Bank Of Maryland ($383.22M)
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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