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Citizens Bank & Trust Co. of Jackson

$100M-$1B Specialty: Commercial KY FDIC cert 18620

Jackson, KY

3 branches across KY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 88 in KY.
  • Deposits -0.2% year over year ($190.9M on the books).
  • Delinquency rate 3.39%.
  • Return on assets 1.02%.
  • Efficiency ratio 77.76% vs a 64.48% peer average.
  • Loan-to-deposit ratio 84.11% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 88 in KY
View $100M-$1B leaderboard (KY) →

Citizens Bank & Trust Co. of Jackson has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.45% above tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 15.3% in tier
  • - Flatlined Growth: Bottom 42.9% in tier
  • - Delinquency Rate 2.47% above tier average
  • - Nonperforming Asset Ratio 2.27% above tier average
  • - Efficiency Ratio 13.28% above tier average
Get updates when Citizens Bank & Trust Co. of Jackson releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $217.3M
+0.7% YoY +0.4% QoQ
-$169.3M $386.6M
+1.2% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
30%
Total Loans ? $160.6M
+1.6% YoY -0.2% QoQ
-$97.8M $258.3M
+1.7% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
38%
Total Deposits ? $190.9M
-0.2% YoY +0.1% QoQ
-$135.8M $326.7M
+0.7% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
32%
Return on Assets ? 1.02%
-20.4% YoY -1.5% QoQ
-0.30% 1.32%
+10.8% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
35%
Net Interest Margin ? 4.44%
-2.7% YoY -0.1% QoQ
+0.45% 3.99%
+5.0% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
77%
Efficiency Ratio ? 77.76%
+6.7% YoY +0.2% QoQ
+13.28% 64.48%
-3.2% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
16%
Delinquency Rate ? 3.39%
+812.4% YoY +14.7% QoQ
+2.47% 0.92%
+15.7% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
Bottom 5.2% in tier
Loan-to-Deposit Ratio ? 84.11%
+1.8% YoY -0.2% QoQ
+6.16% 77.95%
+1.0% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
40%
Non-Interest-Bearing Deposit Share ? 17.97%
-6.5% YoY +0.6% QoQ
-4.06% 22.03%
-0.6% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
36%
Nonperforming Asset Ratio ? 2.94%
+134.4% YoY +11.7% QoQ
+2.27% 0.67%
+16.4% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
Bottom 3.5% in tier
Tier 1 Capital Ratio ? 14.35%
+8.0% YoY +4.7% QoQ
-1.56% 15.91%
+1.4% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
60%
Non-Interest Income / Assets ? 0.37%
-8.8% YoY +90.9% QoQ
-0.20% 0.57%
+7.6% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
82%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Noninterest-Bearing 18.0%
-1.2pp YoY
+0.1pp QoQ
 -4.2pp 22.1% 23.5% 22.2% 36%
Brokered Deposits 5.3%
0.0pp YoY
0.0pp QoQ
 -2.6pp 7.9% 5.4% 8.5% 54%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
C&I 14.4%
-1.2pp YoY
-0.4pp QoQ
 +2.9pp 11.6% 8.6% 12.5% 74%
CRE 38.5%
+1.1pp YoY
+0.5pp QoQ
 -1.0pp 39.5% 37.1% 41.4% 50%
1-4 Family 38.4%
+0.1pp YoY
-0.1pp QoQ
 +5.8pp 32.6% 41.6% 31.3% 67%
Consumer 6.9%
0.0pp YoY
-0.2pp QoQ
 +2.8pp 4.1% 4.8% 5.0% 85%

Capital

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
CET1 Ratio 14.3%
+1.1pp YoY
+0.6pp QoQ
 -4.5pp 18.8% 20.2% 19.7% 42%
Leverage Ratio 9.7%
+0.4pp YoY
+0.2pp QoQ
 -2.5pp 12.2% 14.0% 12.6% 25%
Total Capital Ratio 15.6%
+1.1pp YoY
+0.6pp QoQ
 -4.3pp 19.9% 21.3% 20.8% 44%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Full-Time Employees 45
-1 (-2.2%) YoY
+1 (+2.3%) QoQ
 -14 58 105 482 47%
Assets per Employee ($) $4.8M
+2.9% YoY
-1.8% QoQ
 -$2.7M $7.5M $6.3M $8.8M 12%
Branch Count 3
0 YoY
0 QoQ
 -2 4 8 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Past Due 90+ Days 0.3%
+0.1pp YoY
-0.6pp QoQ
 0.0pp 0.3% 0.3% 0.4% 75%
Nonaccrual 3.1%
+3.0pp YoY
+1.1pp QoQ
 +2.1pp 0.9% 0.8% 1.0% 94%
Allowance Coverage 0.38x
-89.4% YoY
-14.2% QoQ
 -23.78x 24.15x 7.45x 20.23x 5%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
+0.1pp QoQ
 0.0pp 0.1% 0.1% 0.2% 77%

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE 9.6%
-3.1pp YoY
-0.1pp QoQ
 -2.6pp 12.2% 13.3% 11.6% 34%
Cost of Funds (YTD) 1.7%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.7% 1.7% 47%
Net Income ($, YTD) $1.1M
-18.9% YoY
— QoQ
 -$1.5M $2.6M $5.1M $40.4M 30%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Margin Compression

decline
#48 of 307 • Bottom 15.3% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.02%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank improving

Flatlined Growth

risk
#228 of 529 • Bottom 42.9% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.02%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

472
Non-Interest Income / Assets
revenue_mix
Value: 0.37%
Peer Median: 0.57%
#472 of 2643 Top 17.8% in $100M-$1B
610
Net Interest Margin
profitability
Value: 4.44%
Peer Median: 3.99%
#610 of 2643 Top 23.0% in $100M-$1B

Top Weaknesses (3 metrics)

2551
Nonperforming Asset Ratio
credit_quality
Value: 2.94%
Peer Median: 0.67%
#2551 of 2643 Bottom 3.5% in $100M-$1B
2498
Delinquency Rate
credit_quality
Value: 3.39%
Peer Median: 0.92%
#2498 of 2633 Bottom 5.2% in $100M-$1B
2209
Efficiency Ratio
profitability
Value: 77.76%
Peer Median: 64.48%
#2209 of 2643 Bottom 16.5% in $100M-$1B
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