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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Jackson, KY · FDIC certificate #18620
CITIZENS B&T CO OF JACKSON is an FDIC-insured institution based in Jackson, KY (FDIC certificate #18620). In its Q3 2026 Call Report it reported total assets of $216M, total deposits of $189M and net loans of $160M. Its primary federal regulator is FDIC.
Plain-language readout
CITIZENS B&T CO OF JACKSON has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $217M in Q2 2026 and were lowest at $216M in Q3 2026.
Total deposits were highest at $191M in Q2 2026 and lowest at $189M in Q3 2026.
Over the whole period total assets fell 0.3%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $216M | $189M | $160M | 0.96% | 9.07% | 4.47% |
| Q2 2026 | $217M | $191M | $161M | 1.02% | 9.63% | 4.44% |
| Q1 2026 | $216M | $191M | $161M | 1.04% | 9.74% | 4.45% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $14.3M | $14.1M | +$196K | +1.4% |
| Federal funds sold | $6.4M | $5.3M | +$1.1M | +20.7% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $23.3M | $23.3M | -$22K | -0.1% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $160.6M | $160.8M | -$247K | -0.2% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.4M | $2.5M | -$78K | -3.2% |
| Other real estate owned | $948K | $945K | +$3K | +0.3% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $2.2M | $2.2M | $0K | 0.0% |
| All other assets | $7.2M | $7.2M | -$42K | -0.6% |
| Total assets | $217.3M | $216.4M | +$908K | +0.4% |
| Liabilities | ||||
| Total deposits | $190.9M | $190.7M | +$157K | +0.1% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $2.5M | $2.5M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $986K | $738K | +$248K | +33.6% |
| Total liabilities | $194.4M | $194.0M | +$405K | +0.2% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $310K | $310K | $0K | 0.0% |
| Surplus | $12.5M | $12.5M | $0K | 0.0% |
| Retained earnings | $10.3M | $9.7M | +$544K | +5.6% |
| Accumulated other comprehensive income | -$167K | -$126K | -$41K | -32.5% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $22.9M | $22.4M | +$503K | +2.2% |
| Credit and capital | ||||
| Gross nonperforming assets | $6.4M | $5.7M | +$695K | +12.2% |
| Adjusted nonperforming assets | $6.4M | $5.7M | +$695K | +12.2% |
| Tangible equity plus allowance | $22.8M | $22.3M | +$467K | +2.1% |
| Texas ratio (gross) | 28.06% | 25.53% | +2.53 pts | See points |
| Texas ratio (adjusted) | 28.06% | 25.53% | +2.53 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 28.06% | 25.53% | +2.53 pts | See points |
| Tier 1 capital to risk-weighted assets | 14.35% | 13.71% | +0.65 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 14.35% | 13.71% | +0.65 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.25% | 1.25% | +0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 15.60% | 14.96% | +0.65 pts | See points |
| Tier 1 leverage (approximate) | 9.71% | 9.53% | +0.18 pts | See points |
| Construction and land loans to total capital | 79.41% | 71.29% | +8.12 pts | See points |
| Commercial real estate to total capital | 218.37% | 216.12% | +2.25 pts | See points |
| Dividend payout, year to date | 120.45% | 238.31% | -117.85 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.80% | -0.62% | -0.18 pts | See points |
| Liquidity | ||||
| Core deposits | $157.0M | $157.6M | -$539K | -0.3% |
| Non-core funding | $36.4M | $35.7M | +$696K | +2.0% |
| Loans to core deposits | 103.55% | 103.38% | +0.17 pts | See points |
| Loans to deposits | 85.18% | 85.40% | -0.22 pts | See points |
| Brokered deposits share of deposits | 5.25% | 5.26% | -0.00 pts | See points |
| Pledged securities share of securities | 92.68% | 92.65% | +0.04 pts | See points |
| Loans pledged, share of loans | 7.44% | 7.77% | -0.33 pts | See points |
| Volatile liabilities | $36.4M | $35.7M | +$696K | +2.0% |
| Earnings | ||||
| Earnings before provision, year to date | $1.2M | $586K | +$574K | +98.0% |
| Earnings before provision, single quarter | $574K | $586K | -$12K | -2.0% |
| Provision for credit losses, year to date | $60K | $30K | +$30K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.61% | 6.69% | -0.08 pts | See points |
| Yield on interest-bearing balances due from banks | 4.47% | 3.60% | +0.87 pts | See points |
| Total interest income to average assets | 5.61% | 5.59% | +0.02 pts | See points |
| Cost of interest-bearing transaction accounts | 1.01% | 0.79% | +0.22 pts | See points |
| Cost of savings and money market deposits | 0.26% | 0.26% | +0.00 pts | See points |
| Cost of time deposits | 3.94% | 4.11% | -0.17 pts | See points |
| Total interest expense to average assets | 1.53% | 1.51% | +0.02 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $216M | $189M | $160M | 0.96% | 9.07% | 4.47% |
| 2026-06-30 | $217M | $191M | $161M | 1.02% | 9.63% | 4.44% |
| 2026-03-31 | $216M | $191M | $161M | 1.04% | 9.74% | 4.45% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| KY | $191.3M | 0.16% | 98 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.