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The Citizens Bank
Morehead, KY · FDIC Certificate #10520 · Chartered 09/2
Total assets
$228.59M
Total deposits
$181.89M
Total equity
$18.98M
Net loans
$150.66M
Branches (offices)
5
Net income (YTD)
$2.46M
Rank: #2,819 of 4,213 U.S. banks by assets · #76 of 120 in Kentucky. Assets changed 1.1% and deposits -0.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.15% |
| Return on equity | 26.33% |
| Net interest margin (YTD) | 4.84% |
| Equity to assets | 8.30% |
| Tier 1 leverage ratio | 8.72% |
| Uninsured deposits (share of deposits) | 21.9% |
| Noncurrent loans (share of loans) | 0.06% |
| Net charge-offs (share of loans) | 0.06% |
| Loans to deposits | 82.8% |
| Real estate loans (share of loans) | 87.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $132.14M | 87.7% | |
| Commercial & industrial | $9.89M | 6.6% | |
| Consumer / individual | $8.95M | 5.9% | |
| Construction & development | $5.02M | 3.3% | |
| Agricultural | $408.00K | 0.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $197.17M | $175.42M | $541.00K | $11.40M |
| Jun 2023 | $205.80M | $170.85M | $1.07M | $11.35M |
| Jun 2024 | $204.45M | $177.53M | $1.42M | $13.66M |
| Jun 2025 | $226.20M | $183.11M | $1.96M | $16.44M |
| Jun 2026 | $228.59M | $181.89M | $2.46M | $18.98M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $181.89M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $181.89M.
Similar-sized banks
Community Spirit Bank ($228.82M) · First Bank And Trust Company Of Illinois ($228.58M)
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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