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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Hyden, KY · FDIC certificate #281
HYDEN CITIZENS BANK is an FDIC-insured institution based in Hyden, KY (FDIC certificate #281). In its Q3 2026 Call Report it reported total assets of $149M, total deposits of $137M and net loans of $81M. Its primary federal regulator is FDIC.
Plain-language readout
HYDEN CITIZENS BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $149M in Q3 2026 and were lowest at $144M in Q1 2026.
Total deposits were highest at $137M in Q3 2026 and lowest at $128M in Q1 2026.
Over the whole period total assets rose 3.0%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $149M | $137M | $81M | 1.42% | 22.58% | 4.21% |
| Q2 2026 | $149M | $135M | $81M | 1.57% | 23.73% | 4.22% |
| Q1 2026 | $144M | $128M | $82M | 1.02% | 15.47% | 4.23% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $4.8M | $4.7M | +$135K | +2.9% |
| Federal funds sold | $1.5M | $196K | +$1.3M | +676.5% |
| 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) | $55.8M | $51.6M | +$4.2M | +8.1% |
| 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) | $81.2M | $82.5M | -$1.3M | -1.5% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $3.6M | $3.6M | -$60K | -1.7% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $397K | $400K | -$3K | -0.8% |
| 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 | $1.3M | $1.4M | -$42K | -3.1% |
| Total assets | $148.6M | $144.3M | +$4.3M | +3.0% |
| Liabilities | ||||
| Total deposits | $134.8M | $128.3M | +$6.5M | +5.1% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $2.5M | $2.5M | +$7K | +0.3% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $3.0M | -$3.0M | -100.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.4M | $1.2M | +$184K | +15.5% |
| Total liabilities | $138.7M | $135.0M | +$3.7M | +2.8% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $236K | $236K | $0K | 0.0% |
| Surplus | $6.5M | $6.5M | $0K | 0.0% |
| Retained earnings | $7.3M | $6.8M | +$455K | +6.7% |
| Accumulated other comprehensive income | -$4.1M | -$4.2M | +$96K | +2.3% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $9.9M | $9.4M | +$551K | +5.9% |
| Credit and capital | ||||
| Gross nonperforming assets | $444K | $278K | +$166K | +59.7% |
| Adjusted nonperforming assets | $444K | $278K | +$166K | +59.7% |
| Tangible equity plus allowance | $10.7M | $10.2M | +$543K | +5.3% |
| Texas ratio (gross) | 4.15% | 2.74% | +1.41 pts | See points |
| Texas ratio (adjusted) | 4.15% | 2.74% | +1.41 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 4.15% | 2.74% | +1.41 pts | See points |
| Tier 1 capital to risk-weighted assets | 13.58% | 12.62% | +0.96 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 13.58% | 12.62% | +0.96 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.76% | 0.74% | +0.02 pts | See points |
| Total risk-based capital to risk-weighted assets | 14.35% | 13.36% | +0.99 pts | See points |
| Tier 1 leverage (approximate) | 9.18% | 9.07% | +0.11 pts | See points |
| Construction and land loans to total capital | 103.05% | 105.59% | -2.54 pts | See points |
| Commercial real estate to total capital | 199.80% | 199.09% | +0.71 pts | See points |
| Dividend payout, year to date | 67.48% | 122.22% | -54.74 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -29.16% | -30.85% | +1.69 pts | See points |
| Liquidity | ||||
| Core deposits | $128.2M | $122.4M | +$5.8M | +4.7% |
| Non-core funding | $9.1M | $11.4M | -$2.3M | -20.0% |
| Loans to core deposits | 63.92% | 68.00% | -4.08 pts | See points |
| Loans to deposits | 60.80% | 64.90% | -4.09 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 66.69% | 59.23% | +7.46 pts | See points |
| Loans pledged, share of loans | 12.69% | 12.49% | +0.19 pts | See points |
| Volatile liabilities | $9.1M | $11.4M | -$2.3M | -20.0% |
| Earnings | ||||
| Earnings before provision, year to date | $1.2M | $420K | +$777K | +185.0% |
| Earnings before provision, single quarter | $777K | $420K | +$357K | +85.0% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.30% | 6.14% | +0.16 pts | See points |
| Yield on interest-bearing balances due from banks | 12.00% | 1.42% | +10.58 pts | See points |
| Total interest income to average assets | 4.90% | 5.01% | -0.11 pts | See points |
| Cost of interest-bearing transaction accounts | 0.24% | 0.14% | +0.10 pts | See points |
| Cost of savings and money market deposits | 0.07% | 0.06% | +0.02 pts | See points |
| Cost of time deposits | 2.90% | 2.96% | -0.06 pts | See points |
| Total interest expense to average assets | 1.09% | 1.18% | -0.08 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 | $149M | $137M | $81M | 1.42% | 22.58% | 4.21% |
| 2026-06-30 | $149M | $135M | $81M | 1.57% | 23.73% | 4.22% |
| 2026-03-31 | $144M | $128M | $82M | 1.02% | 15.47% | 4.23% |
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 | $132.3M | 0.11% | 115 | 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.