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The Citizens Bank

$100M-$1B Specialty: Agricultural KY FDIC cert 9306

Hickman, KY

3 branches across KY · TN

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 +1.5% year over year ($193.7M on the books).
  • Delinquency rate 0.35%.
  • Return on assets 1.73%.
  • Efficiency ratio 57.33% vs a 64.48% peer average.
  • Loan-to-deposit ratio 85.22% 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) →

The Citizens Bank has 3 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

  • + Profitability Leader: Top 38.9% in tier
  • + Efficiency Ratio 7.15% below tier average
  • + Delinquency Rate 0.57% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 39.6% in tier
  • - Net Interest Margin 0.09% below tier average
Get updates when The 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 ? $220.4M
+2.8% YoY -1.6% QoQ
-$166.2M $386.6M
+1.2% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
31%
Total Loans ? $165.1M
+12.0% YoY +2.8% QoQ
-$93.3M $258.3M
+1.7% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
39%
Total Deposits ? $193.7M
+1.5% YoY -2.4% QoQ
-$133.0M $326.7M
+0.7% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
33%
Return on Assets ? 1.73%
+34.9% YoY +16.3% QoQ
+0.41% 1.32%
+10.8% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
77%
Net Interest Margin ? 3.89%
+14.8% YoY +0.8% QoQ
-0.09% 3.99%
+5.0% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
48%
Efficiency Ratio ? 57.33%
-11.8% YoY -5.3% QoQ
-7.15% 64.48%
-3.2% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
65%
Delinquency Rate ? 0.35%
+427.6% YoY -2.0% QoQ
-0.57% 0.92%
+15.7% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
54%
Loan-to-Deposit Ratio ? 85.22%
+10.3% YoY +5.3% QoQ
+7.27% 77.95%
+1.0% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
37%
Non-Interest-Bearing Deposit Share ? 20.25%
+8.8% YoY -1.3% QoQ
-1.78% 22.03%
-0.6% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
46%
Nonperforming Asset Ratio ? 0.26%
+441.3% YoY +2.2% QoQ
-0.41% 0.67%
+16.4% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
55%
Tier 1 Capital Ratio ? 12.67%
-0.5% YoY +1.8% QoQ
-3.24% 15.91%
+1.4% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
44%
Non-Interest Income / Assets ? 0.27%
+25.0% YoY +120.8% QoQ
-0.29% 0.57%
+7.6% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
68%

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 20.3%
+1.6pp YoY
-0.3pp QoQ
 -1.9pp 22.1% 23.5% 22.2% 46%
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 11.1%
+0.6pp YoY
0.0pp QoQ
 -0.5pp 11.6% 8.6% 12.5% 59%
CRE n/a n/a 39.5% 37.1% 41.4% n/a
1-4 Family 17.8%
-2.6pp YoY
-0.5pp QoQ
 -14.8pp 32.6% 41.6% 31.3% 25%
Consumer 2.3%
-0.4pp YoY
0.0pp QoQ
 -1.8pp 4.1% 4.8% 5.0% 52%

Capital

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 20.2% 19.7% n/a
Leverage Ratio 12.7%
-0.1pp YoY
+0.2pp QoQ
 +0.5pp 12.2% 14.0% 12.6% 72%
Total Capital Ratio n/a n/a 19.9% 21.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Full-Time Employees 36
+1 (+2.9%) YoY
0 QoQ
 -23 58 105 482 36%
Assets per Employee ($) $6.1M
-0.1% YoY
-1.6% QoQ
 -$1.4M $7.5M $6.3M $8.8M 36%
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%
+0.3pp YoY
0.0pp QoQ
 0.0pp 0.3% 0.3% 0.4% 76%
Nonaccrual 0.0%
0.0pp YoY
0.0pp QoQ
 -0.9pp 0.9% 0.8% 1.0% 3%
Allowance Coverage 2.97x
-84.3% YoY
-2.5% QoQ
 -21.19x 24.15x 7.45x 20.23x 58%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 62%

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE 15.3%
+3.1pp YoY
+2.0pp QoQ
 +3.1pp 12.2% 13.3% 11.6% 70%
Cost of Funds (YTD) 2.1%
-0.2pp YoY
0.0pp QoQ
 +0.4pp 1.7% 1.7% 1.7% 75%
Net Income ($, YTD) $1.9M
+45.6% YoY
— QoQ
 -$634K $2.6M $5.1M $40.4M 50%

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 (1)

Profitability Leader

growth
#258 of 661 • Top 38.9% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.73%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Concerns (1)

Credit Quality Pressure

risk
#498 of 1256 • Bottom 39.6% in tier

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

Why this signature
Delinquency Rate: 0.35%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 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)

605
Return on Assets
profitability
Value: 1.73%
Peer Median: 1.32%
#605 of 2643 Top 22.9% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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