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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Morehead, KY · FDIC certificate #10520
CITIZENS BANK is an FDIC-insured institution based in Morehead, KY (FDIC certificate #10520). In its Q3 2026 Call Report it reported total assets of $218M, total deposits of $199M and net loans of $156M. Its primary federal regulator is FDIC.
Plain-language readout
CITIZENS BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $229M in Q2 2026 and were lowest at $218M in Q3 2026.
Total deposits were highest at $199M in Q3 2026 and lowest at $179M in Q1 2026.
Over the whole period total assets fell 4.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $218M | $199M | $156M | 2.19% | 26.55% | 4.93% |
| Q2 2026 | $229M | $182M | $151M | 2.15% | 26.33% | 4.84% |
| Q1 2026 | $228M | $179M | $147M | 2.19% | 27.09% | 4.81% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $25.6M | $27.8M | -$2.3M | -8.2% |
| Federal funds sold | $3.1M | $2.1M | +$948K | +45.0% |
| 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) | $41.5M | $43.2M | -$1.7M | -3.9% |
| 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) | $150.7M | $146.8M | +$3.9M | +2.7% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $3.4M | $3.5M | -$64K | -1.8% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| 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) | $1.8M | $1.8M | $0K | 0.0% |
| All other assets | $2.6M | $2.8M | -$144K | -5.2% |
| Total assets | $228.6M | $227.9M | +$673K | +0.3% |
| Liabilities | ||||
| Total deposits | $181.9M | $179.3M | +$2.6M | +1.5% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $27.2M | $29.3M | -$2.0M | -7.0% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $494K | $302K | +$192K | +63.6% |
| Total liabilities | $209.6M | $208.9M | +$758K | +0.4% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $200K | $200K | $0K | 0.0% |
| Surplus | $4.3M | $4.3M | $0K | 0.0% |
| Retained earnings | $17.4M | $17.4M | -$9K | -0.1% |
| Accumulated other comprehensive income | -$2.9M | -$2.8M | -$76K | -2.7% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $19.0M | $19.1M | -$85K | -0.4% |
| Credit and capital | ||||
| Gross nonperforming assets | $93K | $98K | -$5K | -5.1% |
| Adjusted nonperforming assets | $93K | $98K | -$5K | -5.1% |
| Tangible equity plus allowance | $18.7M | $18.7M | -$69K | -0.4% |
| Texas ratio (gross) | 0.50% | 0.52% | -0.02 pts | See points |
| Texas ratio (adjusted) | 0.50% | 0.52% | -0.02 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.50% | 0.52% | -0.02 pts | See points |
| Tier 1 capital to risk-weighted assets | 16.04% | 16.35% | -0.31 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 16.04% | 16.35% | -0.31 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.24% | 1.23% | +0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 17.27% | 17.58% | -0.31 pts | See points |
| Tier 1 leverage (approximate) | 8.72% | 8.87% | -0.15 pts | See points |
| Construction and land loans to total capital | 23.24% | 16.96% | +6.28 pts | See points |
| Commercial real estate to total capital | 56.93% | 49.32% | +7.60 pts | See points |
| Dividend payout, year to date | 49.51% | 0.40% | +49.11 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -14.35% | -13.97% | -0.39 pts | See points |
| Liquidity | ||||
| Core deposits | $177.3M | $174.7M | +$2.6M | +1.5% |
| Non-core funding | $31.9M | $33.9M | -$2.0M | -6.0% |
| Loans to core deposits | 85.83% | 84.87% | +0.96 pts | See points |
| Loans to deposits | 83.65% | 82.68% | +0.97 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 99.99% | 93.24% | +6.75 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $31.9M | $33.9M | -$2.0M | -6.0% |
| Earnings | ||||
| Earnings before provision, year to date | $2.6M | $1.3M | +$1.3M | +96.7% |
| Earnings before provision, single quarter | $1.3M | $1.3M | -$44K | -3.3% |
| Provision for credit losses, year to date | $120K | $60K | +$60K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.44% | 6.41% | +0.03 pts | See points |
| Yield on interest-bearing balances due from banks | 3.59% | 3.68% | -0.09 pts | See points |
| Total interest income to average assets | 5.20% | 5.19% | +0.02 pts | See points |
| Cost of interest-bearing transaction accounts | 0.57% | 0.41% | +0.16 pts | See points |
| Cost of savings and money market deposits | 0.37% | 0.36% | +0.02 pts | See points |
| Cost of time deposits | 2.48% | 2.54% | -0.07 pts | See points |
| Total interest expense to average assets | 0.66% | 0.62% | +0.04 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 | $218M | $199M | $156M | 2.19% | 26.55% | 4.93% |
| 2026-06-30 | $229M | $182M | $151M | 2.15% | 26.33% | 4.84% |
| 2026-03-31 | $228M | $179M | $147M | 2.19% | 27.09% | 4.81% |
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 | $183.1M | 0.15% | 101 | 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.