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The Citizens Bank
Hickman, KY · FDIC Certificate #9306 · Chartered 01/0
Total assets
$220.38M
Total deposits
$193.70M
Total equity
$25.46M
Net loans
$165.08M
Branches (offices)
3
Net income (YTD)
$1.92M
Rank: #2,862 of 4,213 U.S. banks by assets · #77 of 120 in Kentucky. Assets changed 2.8% and deposits 1.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.73% |
| Return on equity | 15.34% |
| Net interest margin (YTD) | 3.89% |
| Equity to assets | 11.55% |
| Tier 1 leverage ratio | 12.67% |
| Uninsured deposits (share of deposits) | 26.0% |
| Noncurrent loans (share of loans) | 0.34% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 85.2% |
| Real estate loans (share of loans) | 76.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $126.48M | 76.6% | |
| Commercial & industrial | $18.32M | 11.1% | |
| Consumer / individual | $3.85M | 2.3% | |
| Construction & development | $890.00K | 0.5% | |
| Agricultural | $17.73M | 10.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $184.18M | $166.18M | $1.31M | $16.70M |
| Jun 2023 | $191.17M | $168.86M | $1.37M | $17.85M |
| Jun 2024 | $195.40M | $164.51M | $995.00K | $19.61M |
| Jun 2025 | $214.42M | $190.82M | $1.32M | $22.37M |
| Jun 2026 | $220.38M | $193.70M | $1.92M | $25.46M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $166.41M | 2 |
| Tennessee | $27.29M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $193.70M.
Similar-sized banks
Fcnb Bank ($220.44M) · Commerce Bank ($219.99M)
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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