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Citizens Bank

$100M-$1B Specialty: Commercial KY FDIC cert 262

Mount Vernon, KY

5 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 +4.4% year over year ($221.6M on the books).
  • Delinquency rate 0.97%.
  • Return on assets 1.57%.
  • Efficiency ratio 64.73% vs a 64.48% peer average.
  • Loan-to-deposit ratio 96.14% 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 has 2 strengths but faces 2 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

  • + ROA 0.24% above tier average
  • + Net Interest Margin 0.17% above tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 41.4% in tier
  • - Efficiency Ratio 0.25% above tier average
Get updates when Citizens Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $250.4M
+3.1% YoY -1.2% QoQ
-$136.2M $386.6M
+1.2% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
37%
Total Loans ? $213.0M
+5.9% YoY -1.2% QoQ
-$45.3M $258.3M
+1.7% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
51%
Total Deposits ? $221.6M
+4.4% YoY +0.5% QoQ
-$105.2M $326.7M
+0.7% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
39%
Return on Assets ? 1.57%
+17.6% YoY +1.0% QoQ
+0.24% 1.32%
+10.8% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
69%
Net Interest Margin ? 4.16%
+3.4% YoY +1.2% QoQ
+0.17% 3.99%
+5.0% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
63%
Efficiency Ratio ? 64.73%
-3.3% YoY -0.5% QoQ
+0.25% 64.48%
-3.2% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
43%
Delinquency Rate ? 0.97%
-11.2% YoY -25.2% QoQ
+0.05% 0.92%
+15.7% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
29%
Loan-to-Deposit Ratio ? 96.14%
+1.4% YoY -1.7% QoQ
+18.19% 77.95%
+1.0% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
Bottom 14.7% in tier
Non-Interest-Bearing Deposit Share ? 10.79%
-14.8% YoY -2.8% QoQ
-11.24% 22.03%
-0.6% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
Bottom 12.3% in tier
Nonperforming Asset Ratio ? 1.12%
+13.8% YoY +1.9% QoQ
+0.45% 0.67%
+16.4% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
18%
Tier 1 Capital Ratio ? 11.68%
+6.5% YoY +4.3% QoQ
-4.23% 15.91%
+1.4% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
32%
Non-Interest Income / Assets ? 0.36%
+22.1% YoY +90.2% QoQ
-0.21% 0.57%
+7.6% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
80%

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 10.8%
-1.9pp YoY
-0.3pp QoQ
 -11.4pp 22.1% 23.5% 22.2% 12%
Brokered Deposits n/a n/a 7.9% 5.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
C&I 8.3%
-0.1pp YoY
+0.3pp QoQ
 -3.2pp 11.6% 8.6% 12.5% 42%
CRE 28.7%
-0.7pp YoY
+1.1pp QoQ
 -10.9pp 39.5% 37.1% 41.4% 32%
1-4 Family 53.4%
+1.5pp YoY
-1.4pp QoQ
 +20.8pp 32.6% 41.6% 31.3% 85%
Consumer 4.6%
-0.8pp YoY
-0.4pp QoQ
 +0.5pp 4.1% 4.8% 5.0% 75%

Capital

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
CET1 Ratio 11.7%
+0.7pp YoY
+0.5pp QoQ
 -7.1pp 18.8% 20.2% 19.7% 13%
Leverage Ratio 8.1%
+0.4pp YoY
+0.2pp QoQ
 -4.1pp 12.2% 14.0% 12.6% 3%
Total Capital Ratio 12.9%
+0.7pp YoY
+0.5pp QoQ
 -7.0pp 19.9% 21.3% 20.8% 15%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Full-Time Employees 53
+3 (+6.0%) YoY
+1 (+1.9%) QoQ
 -6 58 105 482 56%
Assets per Employee ($) $4.7M
-2.7% YoY
-3.0% QoQ
 -$2.8M $7.5M $6.3M $8.8M 11%
Branch Count 5
0 YoY
0 QoQ
 0 4 8 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
 -0.3pp 0.3% 0.3% 0.4% 22%
Nonaccrual 1.0%
-0.1pp YoY
-0.3pp QoQ
 0.0pp 0.9% 0.8% 1.0% 70%
Allowance Coverage 1.06x
+7.5% YoY
+35.7% QoQ
 -23.10x 24.15x 7.45x 20.23x 28%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 65%

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE 19.6%
+1.9pp YoY
-0.2pp QoQ
 +7.4pp 12.2% 13.3% 11.6% 87%
Cost of Funds (YTD) 2.3%
0.0pp YoY
0.0pp QoQ
 +0.5pp 1.7% 1.7% 1.7% 83%
Net Income ($, YTD) $2.0M
+22.3% YoY
— QoQ
 -$585K $2.6M $5.1M $40.4M 51%

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 (1)

Liquidity Strain

risk
#287 of 691 • Bottom 41.4% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 96.14%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

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 (1 metrics)

518
Non-Interest Income / Assets
revenue_mix
Value: 0.36%
Peer Median: 0.57%
#518 of 2643 Top 19.6% in $100M-$1B

Top Weaknesses (3 metrics)

2320
Non-Interest-Bearing Deposit Share
funding
Value: 10.79%
Peer Median: 22.03%
#2320 of 2643 Bottom 12.3% in $100M-$1B
2255
Loan-to-Deposit Ratio
liquidity
Value: 96.14%
Peer Median: 77.95%
#2255 of 2643 Bottom 14.7% in $100M-$1B
2177
Nonperforming Asset Ratio
credit_quality
Value: 1.12%
Peer Median: 0.67%
#2177 of 2643 Bottom 17.7% in $100M-$1B
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