Citizens Bank (FDIC #10520): Bank Stress & Real-Estate Credit Exposure

Citizens Bank (FDIC Cert #10520): bank stress 54/100, moderate, STABLE over 7 days; parent CITIZENS BCORP MOREHEAD INC.

Citizens Bank (#10520) lends in 3 counties across 1 state; Citizens Bank (#10520) reaches 20 ZIP codes: Kentucky 3 counties, 20 ZIPs.

Citizens Bank (#10520) largest markets: Bath County, KY (16 branches, 8 ZIPs) (#10520), Morgan County, KY (8 branches, 8 ZIPs) (#10520), Rowan County, KY (8 branches, 4 ZIPs) (#10520).

Citizens Bank (#10520) reports $228.6 million in total assets; Citizens Bank (#10520) equity $19.0 million (8.3% of Citizens Bank (#10520) assets); Citizens Bank (#10520) domestic deposits $181.9 million; Citizens Bank (#10520) net income $2.5 million; Citizens Bank (#10520) return on assets 2.15%; Citizens Bank (#10520) return on equity 26.33%; Citizens Bank (#10520) net interest income $5.2 million; Citizens Bank (#10520) call report June 30, 2026.

Citizens Bank (#10520) noncurrent real-estate loans 0.01% of its book; Citizens Bank (#10520) net charge-offs on real estate 0.03%.

Citizens Bank (#10520) net interest margin 4.84% against an eight-quarter Citizens Bank (#10520) average of 4.74% (Citizens Bank (#10520) compression -0.10 points); Citizens Bank (#10520) real-estate loans 1.2% of equity; Citizens Bank (#10520) rate-exposure score 40/100, Citizens Bank (#10520) fixed-rate trap 40/100; Citizens Bank (#10520) risk type credit driven; Citizens Bank (#10520) rate regime rates elevated, Citizens Bank (#10520) snapshot October 20, 2026.

Citizens Bank (#10520) stress score moved from 51.5 on June 22, 2026 to 53.7 on October 20, 2026; Citizens Bank (#10520) ranged 51.5 to 53.7 over 117 snapshots.

Citizens Bank (#10520) alerts: 3 counties; top Citizens Bank (#10520) alert scores: Morehead County, KY 21 (low); Sharpsburg County, KY 21 (low); West Liberty County, KY 21 (low).