Citizens Bank Of Ky Inc (FDIC #2718): Bank Stress & Real-Estate Credit Exposure
Citizens Bank Of Ky Inc (FDIC Cert #2718): bank stress 58/100, moderate, STABLE over 7 days; parent CITIZENS NATIONAL CORP.
Citizens Bank Of Ky Inc (#2718) lends in 8 counties across 1 state; Citizens Bank Of Ky Inc (#2718) reaches 113 ZIP codes: Kentucky 8 counties, 113 ZIPs.
Citizens Bank Of Ky Inc (#2718) largest markets: Pike County, KY (78 branches, 39 ZIPs) (#2718), Floyd County, KY (102 branches, 34 ZIPs) (#2718), Johnson County, KY (38 branches, 19 ZIPs) (#2718), Carter County, KY (11 branches, 11 ZIPs) (#2718), Lawrence County, KY (10 branches, 10 ZIPs) (#2718), Clark County, KY (4 branches, 4 ZIPs) (#2718).
Citizens Bank Of Ky Inc (#2718) reports $669.9 million in total assets; Citizens Bank Of Ky Inc (#2718) equity $89.9 million (13.4% of Citizens Bank Of Ky Inc (#2718) assets); Citizens Bank Of Ky Inc (#2718) domestic deposits $571.0 million; Citizens Bank Of Ky Inc (#2718) net income $3.5 million; Citizens Bank Of Ky Inc (#2718) return on assets 1.04%; Citizens Bank Of Ky Inc (#2718) return on equity 7.92%; Citizens Bank Of Ky Inc (#2718) net interest income $11.0 million; Citizens Bank Of Ky Inc (#2718) call report June 30, 2026.
Citizens Bank Of Ky Inc (#2718) noncurrent real-estate loans: none reported; Citizens Bank Of Ky Inc (#2718) net charge-offs on real estate 0.46%; Citizens Bank Of Ky Inc (#2718) residential charge-offs 0.46%.
Citizens Bank Of Ky Inc (#2718) net interest margin 3.57% against an eight-quarter Citizens Bank Of Ky Inc (#2718) average of 3.34% (Citizens Bank Of Ky Inc (#2718) compression -0.23 points); Citizens Bank Of Ky Inc (#2718) non-residential real estate 46.0% of equity; Citizens Bank Of Ky Inc (#2718) rate-exposure score 40/100, Citizens Bank Of Ky Inc (#2718) fixed-rate trap 40/100; Citizens Bank Of Ky Inc (#2718) risk type credit driven; Citizens Bank Of Ky Inc (#2718) rate regime rates elevated, Citizens Bank Of Ky Inc (#2718) snapshot October 20, 2026.
Citizens Bank Of Ky Inc (#2718) stress score moved from 59.6 on June 22, 2026 to 57.8 on October 20, 2026; Citizens Bank Of Ky Inc (#2718) ranged 57.8 to 59.6 over 117 snapshots.
Citizens Bank Of Ky Inc (#2718) alerts: 8 counties; top Citizens Bank Of Ky Inc (#2718) alert scores: Grayson County, KY 32 (low); Ashland County, KY 20 (low); Louisa County, KY 20 (low); Paintsville County, KY 20 (low); Pikeville County, KY 20 (low).