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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Mount Vernon, KY · FDIC certificate #262
CITIZENS BANK is an FDIC-insured institution based in Mount Vernon, KY (FDIC certificate #262). In its Q3 2026 Call Report it reported total assets of $260M, total deposits of $231M and net loans of $223M. 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 $260M in Q3 2026 and were lowest at $250M in Q2 2026.
Total deposits were highest at $231M in Q3 2026 and lowest at $220M in Q1 2026.
Over the whole period total assets rose 2.7%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $260M | $231M | $223M | 1.59% | 19.78% | 4.19% |
| Q2 2026 | $250M | $222M | $213M | 1.57% | 19.59% | 4.16% |
| Q1 2026 | $253M | $220M | $216M | 1.55% | 19.78% | 4.11% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $10.8M | $10.4M | +$428K | +4.1% |
| Federal funds sold | $1.2M | $577K | +$575K | +99.7% |
| 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) | $13.4M | $15.3M | -$1.8M | -12.1% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $588K | $940K | -$352K | -37.4% |
| Net loans and leases (after allowance) | $212.4M | $214.6M | -$2.2M | -1.0% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $4.4M | $4.3M | +$23K | +0.5% |
| Other real estate owned | $749K | $0K | +$749K | 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) | $500K | $500K | $0K | 0.0% |
| All other assets | $6.3M | $6.7M | -$343K | -5.1% |
| Total assets | $250.4M | $253.3M | -$3.0M | -1.2% |
| Liabilities | ||||
| Total deposits | $221.6M | $220.4M | +$1.1M | +0.5% |
| 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 | $7.0M | $12.0M | -$5.0M | -41.7% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $990K | $865K | +$125K | +14.5% |
| Total liabilities | $229.6M | $233.3M | -$3.7M | -1.6% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $150K | $150K | $0K | 0.0% |
| Surplus | $4.9M | $4.9M | $0K | 0.0% |
| Retained earnings | $16.2M | $15.5M | +$727K | +4.7% |
| Accumulated other comprehensive income | -$398K | -$455K | +$57K | +12.5% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $20.8M | $20.0M | +$784K | +3.9% |
| Credit and capital | ||||
| Gross nonperforming assets | $2.8M | $2.8M | +$21K | +0.8% |
| Adjusted nonperforming assets | $2.8M | $2.8M | +$21K | +0.8% |
| Tangible equity plus allowance | $22.5M | $21.7M | +$790K | +3.6% |
| Texas ratio (gross) | 12.50% | 12.86% | -0.36 pts | See points |
| Texas ratio (adjusted) | 12.50% | 12.86% | -0.36 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 12.50% | 12.86% | -0.36 pts | See points |
| Tier 1 capital to risk-weighted assets | 11.68% | 11.20% | +0.48 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 11.68% | 11.20% | +0.48 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.23% | 1.22% | +0.01 pts | See points |
| Total risk-based capital to risk-weighted assets | 12.91% | 12.42% | +0.49 pts | See points |
| Tier 1 leverage (approximate) | 8.09% | 7.87% | +0.22 pts | See points |
| Construction and land loans to total capital | 100.91% | 100.48% | +0.43 pts | See points |
| Commercial real estate to total capital | 233.24% | 237.81% | -4.56 pts | See points |
| Dividend payout, year to date | 37.46% | 48.36% | -10.90 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -1.92% | -2.28% | +0.36 pts | See points |
| Liquidity | ||||
| Core deposits | $193.6M | $192.8M | +$871K | +0.5% |
| Non-core funding | $34.9M | $39.7M | -$4.7M | -11.9% |
| Loans to core deposits | 110.83% | 112.46% | -1.63 pts | See points |
| Loans to deposits | 96.86% | 98.35% | -1.49 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 65.12% | 56.22% | +8.90 pts | See points |
| Loans pledged, share of loans | 50.60% | 52.09% | -1.49 pts | See points |
| Volatile liabilities | $47.1M | $51.8M | -$4.7M | -9.1% |
| Earnings | ||||
| Earnings before provision, year to date | $2.0M | $1.0M | +$1.0M | +101.4% |
| Earnings before provision, single quarter | $1.0M | $1.0M | +$14K | +1.4% |
| Provision for credit losses, year to date | $60K | $30K | +$30K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.62% | 6.49% | +0.13 pts | See points |
| Yield on interest-bearing balances due from banks | 3.25% | 2.97% | +0.29 pts | See points |
| Total interest income to average assets | 5.90% | 5.86% | +0.04 pts | See points |
| Cost of interest-bearing transaction accounts | 1.53% | 1.49% | +0.04 pts | See points |
| Cost of savings and money market deposits | 0.83% | 0.78% | +0.06 pts | See points |
| Cost of time deposits | 3.46% | 3.46% | +0.00 pts | See points |
| Total interest expense to average assets | 2.07% | 2.08% | -0.00 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 | $260M | $231M | $223M | 1.59% | 19.78% | 4.19% |
| 2026-06-30 | $250M | $222M | $213M | 1.57% | 19.59% | 4.16% |
| 2026-03-31 | $253M | $220M | $216M | 1.55% | 19.78% | 4.11% |
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 | $212.2M | 0.17% | 91 | Continuing · +0.02 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.