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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Burkesville, KY · FDIC certificate #35442
CITIZENS BK CUMBERLAND CNTY is an FDIC-insured institution based in Burkesville, KY (FDIC certificate #35442). In its Q3 2026 Call Report it reported total assets of $98M, total deposits of $84M and net loans of $67M. Its primary federal regulator is FDIC.
Plain-language readout
CITIZENS BK CUMBERLAND CNTY has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $98M in Q3 2026 and were lowest at $95M in Q1 2026.
Total deposits were highest at $84M in Q3 2026 and lowest at $80M in Q2 2026.
Over the whole period total assets rose 3.8%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $98M | $84M | $67M | 2.08% | 17.57% | 5.08% |
| Q2 2026 | $95M | $80M | $67M | 2.06% | 17.46% | 5.02% |
| Q1 2026 | $95M | $82M | $66M | 1.90% | 16.41% | 4.93% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $5.2M | $5.7M | -$480K | -8.5% |
| Federal funds sold | $4.9M | $4.1M | +$864K | +21.2% |
| 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) | $16.1M | $17.5M | -$1.4M | -7.7% |
| 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) | $67.2M | $66.1M | +$1.1M | +1.7% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $571K | $558K | +$13K | +2.3% |
| 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) | $0K | $0K | $0K | n/a |
| All other assets | $803K | $847K | -$44K | -5.2% |
| Total assets | $94.9M | $94.8M | +$91K | +0.1% |
| Liabilities | ||||
| Total deposits | $80.5M | $81.5M | -$1.0M | -1.3% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $2.5M | $1.9M | +$585K | +30.3% |
| 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 | $296K | $262K | +$34K | +13.0% |
| Total liabilities | $83.3M | $83.7M | -$426K | -0.5% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $2.2M | $2.2M | $0K | 0.0% |
| Surplus | $5.4M | $5.4M | $0K | 0.0% |
| Retained earnings | $4.3M | $3.8M | +$529K | +14.0% |
| Accumulated other comprehensive income | -$212K | -$200K | -$12K | -6.0% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $11.6M | $11.1M | +$517K | +4.7% |
| Credit and capital | ||||
| Gross nonperforming assets | $348K | $285K | +$63K | +22.1% |
| Adjusted nonperforming assets | $348K | $285K | +$63K | +22.1% |
| Tangible equity plus allowance | $12.3M | $11.9M | +$451K | +3.8% |
| Texas ratio (gross) | 2.83% | 2.40% | +0.42 pts | See points |
| Texas ratio (adjusted) | 2.83% | 2.40% | +0.42 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 4.39% | 4.27% | +0.12 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 12.25% | 11.73% | +0.52 pts | See points |
| Construction and land loans to total capital | 37.37% | 31.63% | +5.74 pts | See points |
| Commercial real estate to total capital | 89.64% | 84.96% | +4.68 pts | See points |
| Dividend payout, year to date | 32.08% | 69.38% | -37.31 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -1.79% | -1.77% | -0.02 pts | See points |
| Liquidity | ||||
| Core deposits | $75.5M | $75.7M | -$180K | -0.2% |
| Non-core funding | $7.5M | $7.7M | -$280K | -3.6% |
| Loans to core deposits | 89.95% | 88.38% | +1.57 pts | See points |
| Loans to deposits | 84.43% | 82.09% | +2.34 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 48.99% | 46.46% | +2.52 pts | See points |
| Loans pledged, share of loans | 38.90% | 40.43% | -1.53 pts | See points |
| Volatile liabilities | $7.5M | $7.7M | -$280K | -3.6% |
| Earnings | ||||
| Earnings before provision, year to date | $1.0M | $504K | +$528K | +104.8% |
| Earnings before provision, single quarter | $528K | $504K | +$24K | +4.8% |
| Provision for credit losses, year to date | $50K | $50K | $0K | 0.0% |
| Yield and cost | ||||
| Yield on loans and leases | 7.64% | 7.59% | +0.05 pts | See points |
| Yield on interest-bearing balances due from banks | 2.23% | 1.65% | +0.58 pts | See points |
| Total interest income to average assets | 6.23% | 6.19% | +0.05 pts | See points |
| Cost of interest-bearing transaction accounts | 0.22% | 0.22% | -0.00 pts | See points |
| Cost of savings and money market deposits | 0.79% | 0.74% | +0.05 pts | See points |
| Cost of time deposits | 3.28% | 3.56% | -0.28 pts | See points |
| Total interest expense to average assets | 1.43% | 1.52% | -0.09 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 | $98M | $84M | $67M | 2.08% | 17.57% | 5.08% |
| 2026-06-30 | $95M | $80M | $67M | 2.06% | 17.46% | 5.02% |
| 2026-03-31 | $95M | $82M | $66M | 1.90% | 16.41% | 4.93% |
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 | $79.5M | 0.07% | 129 | 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.