BlastPoint's Banking Scorecard

Citizens Bank of Kentucky, Inc.

$100M-$1B Specialty: Commercial KY FDIC cert 2718

Paintsville, KY

12 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 -4.6% year over year ($571.0M on the books).
Delinquency rate 0.86%.
Return on assets 1.04%.
Efficiency ratio 66.65% vs a 64.48% peer average.
Loan-to-deposit ratio 59.82% 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 of Kentucky, Inc. has 1 strength but faces 6 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

+ Delinquency Rate 0.06% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 17.2% in tier
- Deposit Outflow: Bottom 31.0% in tier
- Credit Quality Pressure: Bottom 38.4% in tier
- ROA 0.29% below tier average
- Net Interest Margin 0.41% below tier average
- Efficiency Ratio 2.18% above tier average

Get updates when Citizens Bank of Kentucky, Inc. releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$669.9M -2.9% YoY -2.3% QoQ	+$283.3M	$386.6M +1.2% YoY	$707.7M +4.5% YoY	$6.3B +7.7% YoY	Top 14.1% in tier
Total Loans ?	$341.6M +4.9% YoY +1.3% QoQ	+$83.2M	$258.3M +1.7% YoY	$500.8M +5.4% YoY	$3.2B +9.4% YoY	73%
Total Deposits ?	$571.0M -4.6% YoY -3.0% QoQ	+$244.2M	$326.7M +0.7% YoY	$593.9M +4.1% YoY	$4.9B +7.3% YoY	Top 14.3% in tier
Return on Assets ?	1.04% +17.8% YoY +8.6% QoQ	-0.29%	1.32% +10.8% YoY	1.28% +12.5% YoY	1.30% +12.1% YoY	36%
Net Interest Margin ?	3.57% +7.2% YoY +3.4% QoQ	-0.41%	3.99% +5.0% YoY	3.93% +6.2% YoY	3.95% +4.9% YoY	31%
Efficiency Ratio ?	66.65% -6.4% YoY -2.3% QoQ	+2.18%	64.48% -3.2% YoY	64.24% -3.9% YoY	70.05% +2.5% YoY	37%
Delinquency Rate ?	0.86% +12.4% YoY +24.4% QoQ	-0.06%	0.92% +15.7% YoY	0.91% +20.0% YoY	0.98% +16.3% YoY	32%
Loan-to-Deposit Ratio ?	59.82% +10.0% YoY +4.4% QoQ	-18.13%	77.95% +1.0% YoY	81.25% +1.1% YoY	79.03% +2.3% YoY	83%
Non-Interest-Bearing Deposit Share ?	29.92% +1.1% YoY -1.7% QoQ	+7.89%	22.03% -0.6% YoY	23.27% -2.3% YoY	21.98% -0.6% YoY	82%
Nonperforming Asset Ratio ?	0.44% +16.2% YoY +29.0% QoQ	-0.23%	0.67% +16.4% YoY	0.64% +23.9% YoY	0.69% +15.8% YoY	42%
Tier 1 Capital Ratio ?	23.49% +0.4% YoY +0.1% QoQ	+7.58%	15.91% +1.4% YoY	16.76% +11.6% YoY	17.09% +0.8% YoY	Top 8.4% in tier
Non-Interest Income / Assets ?	0.34% +8.5% YoY +103.4% QoQ	-0.22%	0.57% +7.6% YoY	0.31% +0.1% YoY	0.66% +5.2% YoY	78%

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	29.9% +0.3pp YoY -0.5pp QoQ	+7.8pp	22.1%	23.5%	22.2%	82%
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	8.8% +0.4pp YoY +0.4pp QoQ	-2.7pp	11.6%	8.6%	12.5%	45%
CRE	53.4% +0.6pp YoY -0.1pp QoQ	+13.9pp	39.5%	37.1%	41.4%	75%
1-4 Family	36.6% -0.4pp YoY -0.2pp QoQ	+3.9pp	32.6%	41.6%	31.3%	64%
Consumer	2.6% -0.6pp YoY -0.2pp QoQ	-1.6pp	4.1%	4.8%	5.0%	55%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
CET1 Ratio	23.5% +0.1pp YoY 0.0pp QoQ	+4.7pp	18.8%	20.2%	19.7%	86%
Leverage Ratio	13.5% +0.7pp YoY +0.3pp QoQ	+1.3pp	12.2%	14.0%	12.6%	78%
Total Capital Ratio	24.7% +0.1pp YoY 0.0pp QoQ	+4.8pp	19.9%	21.3%	20.8%	86%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Full-Time Employees	116 -12 (-9.4%) YoY -13 (-10.1%) QoQ	+57	58	105	482	91%
Assets per Employee ($)	$5.8M +7.2% YoY +8.6% QoQ	-$1.7M	$7.5M	$6.3M	$8.8M	29%
Branch Count	12 0 YoY 0 QoQ	+7	4	8	18	95%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp QoQ	-0.3pp	0.3%	0.3%	0.4%	9%
Nonaccrual	0.9% +0.1pp YoY +0.2pp QoQ	-0.1pp	0.9%	0.8%	1.0%	68%
Allowance Coverage	1.68x -14.2% YoY -21.1% QoQ	-22.47x	24.15x	7.45x	20.23x	43%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	61%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
ROE	7.9% +0.5pp YoY +0.5pp QoQ	-4.3pp	12.2%	13.3%	11.6%	25%
Cost of Funds (YTD)	1.2% -0.1pp YoY 0.0pp QoQ	-0.5pp	1.7%	1.7%	1.7%	18%
Net Income ($, YTD)	$3.5M +18.8% YoY — QoQ	+$978K	$2.6M	$5.1M	$40.4M	76%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (3)

Credit Risk Growth

risk

#162 of 936 • Bottom 17.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ

Deposit Outflow

decline

#167 of 535 • Bottom 31.0% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally

→ Stable +31 banks QoQ

Credit Quality Pressure

risk

#483 of 1256 • Bottom 38.4% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.86%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (6 metrics)

223

Tier 1 Capital Ratio

capital

Value: 23.49%

Peer Median: 15.91%

#223 of 2643 Top 8.4% in $100M-$1B

373

Total Assets

size

Value: $669.89M

Peer Median: $386.57M

#373 of 2643 Top 14.1% in $100M-$1B

380

Total Deposits

size

Value: $570.97M

Peer Median: $326.73M

#380 of 2643 Top 14.3% in $100M-$1B

448

Loan-to-Deposit Ratio

liquidity

Value: 59.82%

Peer Median: 77.95%

#448 of 2643 Top 16.9% in $100M-$1B

481

Non-Interest-Bearing Deposit Share

funding

Value: 29.92%

Peer Median: 22.03%

#481 of 2643 Top 18.2% in $100M-$1B

577

Non-Interest Income / Assets

revenue_mix

Value: 0.34%

Peer Median: 0.57%

#577 of 2643 Top 21.8% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available