Citizens Bank (FDIC #262): Bank Stress & Real-Estate Credit Exposure

Citizens Bank (FDIC Cert #262): bank stress 65/100, elevated, STABLE over 7 days; parent ROCKCASTLE BCORP INC.

Citizens Bank (#262) lends in 4 counties across 1 state; Citizens Bank (#262) reaches 25 ZIP codes: Kentucky 4 counties, 25 ZIPs.

Citizens Bank (#262) largest markets: Pulaski County, KY (11 branches, 11 ZIPs) (#262), Rockcastle County, KY (14 branches, 7 ZIPs) (#262), Jackson County, KY (6 branches, 6 ZIPs) (#262), Madison County, KY (5 branches, 5 ZIPs) (#262).

Citizens Bank (#262) reports $250.4 million in total assets; Citizens Bank (#262) equity $20.8 million (8.3% of Citizens Bank (#262) assets); Citizens Bank (#262) domestic deposits $221.6 million; Citizens Bank (#262) net income $2.0 million; Citizens Bank (#262) return on assets 1.57%; Citizens Bank (#262) return on equity 19.59%; Citizens Bank (#262) net interest income $4.9 million; Citizens Bank (#262) call report June 30, 2026.

Citizens Bank (#262) noncurrent real-estate loans: none reported; Citizens Bank (#262) net charge-offs on real estate 0.61%; Citizens Bank (#262) residential charge-offs 1.59%.

Citizens Bank (#262) net interest margin 4.16% against an eight-quarter Citizens Bank (#262) average of 3.97% (Citizens Bank (#262) compression -0.19 points); Citizens Bank (#262) non-residential real estate 158.8% of equity; Citizens Bank (#262) rate-exposure score 40/100, Citizens Bank (#262) fixed-rate trap 40/100; Citizens Bank (#262) risk type credit driven; Citizens Bank (#262) rate regime rates elevated, Citizens Bank (#262) snapshot October 19, 2026.

Citizens Bank (#262) stress score moved from 65.6 on June 22, 2026 to 65.2 on October 19, 2026; Citizens Bank (#262) ranged 65.2 to 65.6 over 116 snapshots.

Citizens Bank (#262) alerts: 4 counties; top Citizens Bank (#262) alert scores: Berea County, KY 23 (low); Mckee County, KY 23 (low); Mount Vernon County, KY 23 (low); Somerset County, KY 23 (low).