TellerScore

Headquartered in Jackson, Kentucky, Citizens Bank & Trust Co. of Jackson is a state-chartered bank with $217.3M in total assets and $190.9M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1962.

Citizens Bank & Trust Co. of Jackson has a TellerScore of 42 out of 100 (below average) based on Q2 2026 data — higher than only 3% of its 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 117th. Funding & liquidity contributes the most (75/100, 84% loans-to-deposits, 16% uninsured); loan quality contributes the least (0/100, 3.35%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Tier 1 leverage ratio: 9.71%
Loan quality0/100
Noncurrent loans ÷ total loans: 3.35%
Earnings61/100
Return on assets (annualized): 1.02%
Funding & liquidity75/100
Loans ÷ deposits and uninsured-deposit share: 84.1% · 16.3% uninsured
Problem-loan coverage49/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 25.62%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 26 points (68 → 42), mostly because the loan quality component weakened by 88 points.

TellerScore
425670Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202468
Q4 202469
Q1 202564
Q2 202568
Q3 202568
Q4 202555
Q1 202643
Q2 202642
Tier 1 leverage ratio
5.00%7.54%10.08%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.83%
Q3 20249.27%
Q4 20249.38%
Q1 20259.30%
Q2 20259.30%
Q3 20259.85%
Q4 202510.08%
Q1 20269.53%
Q2 20269.71%
Noncurrent loans
0.08%1.72%3.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.08%
Q3 20240.41%
Q4 20240.37%
Q1 20250.69%
Q2 20250.37%
Q3 20251.12%
Q4 20252.47%
Q1 20262.92%
Q2 20263.35%
Return on assets
1.02%1.39%1.76%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.29%
Q3 20241.40%
Q4 20241.37%
Q1 20251.22%
Q2 20251.28%
Q3 20251.76%
Q4 20251.75%
Q1 20261.04%
Q2 20261.02%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202642$217.3M9.71%3.35%1.02%84.1%
Q1 202643$216.4M9.53%2.92%1.04%84.3%
Q4 202555$213.2M10.08%2.47%1.75%82.0%
Q3 202568$211.9M9.85%1.12%1.76%82.7%
Q2 202568$215.8M9.30%0.37%1.28%82.6%
Q1 202564$210.1M9.30%0.69%1.22%83.7%
Q4 202469$209.0M9.38%0.37%1.37%84.4%
Q3 202468$207.2M9.27%0.41%1.40%81.3%
Q2 202470$205.1M8.83%0.08%1.29%82.5%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.71%
25th
Total risk-based capital15.60%
71st
Problem loans3.35%
5th
Net charge-offs0.10%
19th
Return on assets1.02%
35th
Net interest margin4.44%
77th
Efficiency ratio77.8%
16th
Loans to deposits84.1%
40th
Uninsured deposits16.3%
78th
Loan-loss reserves1.26%
58th
Texas ratio25.6%
3rd

Similar-size banks in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
Commercial BankBank West Liberty, KY65 out of 100, Moderate$216.1M10.0%1.14%vs
United Citizens Bank & Trust CompanyBank Campbellsburg, KY56 out of 100, Moderate$219.3M10.0%1.78%vs
The Citizens BankBank Hickman, KY82 out of 100, Strong$220.4M12.7%0.34%vs
Century Bank of Kentucky, Inc.Bank Lawrenceburg, KY84 out of 100, Strong$208.1M10.4%0.00%vs
First & Peoples Bank and Trust CompanyBank Russell, KY27 out of 100, Low$207.1M9.0%15.30%vs
The Citizens BankBank Morehead, KY76 out of 100, Strong$228.6M8.7%0.06%vs

Deposit insurance

Is my money safe at Citizens Bank & Trust Co. of Jackson?

Yes. Citizens Bank & Trust Co. of Jackson is an FDIC-insured institution (FDIC certificate #18620). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 16.3% of deposits ($31.1M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.71%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.60% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

Citizens Bank & Trust Co. of Jackson lists 3 offices in 2 cities. Most locations:

  • Jackson, KY (2)
  • Beattyville, KY (1)

All branch addresses and map

Identity & history

Profile

Legal name
Citizens Bank & Trust Co. of Jackson
Former names
Citizens Bank of Jackson
Type
State-chartered bank
FDIC certificate #
18620
RSSD ID
765318
Primary regulator
FDIC
Holding company
John R Turner Holding Co
Established
November 17, 1962
Headquarters
720 Highway 15 S, Jackson, KY 41339
Employees
45

Quick answers

Citizens Bank & Trust Co. of Jackson: common questions

Is Citizens Bank & Trust Co. of Jackson FDIC insured?

Yes. Citizens Bank & Trust Co. of Jackson is an FDIC-insured institution (FDIC certificate #18620). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Citizens Bank & Trust Co. of Jackson's TellerScore?

42 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Citizens Bank & Trust Co. of Jackson ever failed?

There is no failure record for FDIC certificate #18620 in the FDIC failed bank list.

How many branches does Citizens Bank & Trust Co. of Jackson have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Jackson

InstitutionScoreAssetsCapitalProblem loansCompare
The Salyersville National BankBank Salyersville, KY89 out of 100, Very strong$163.5M14.2%0.00%vs
Whitaker BankBank Lexington, KY84 out of 100, Strong$1.9B12.9%0.21%vs
Community Trust Bank, Inc.Bank Pikeville, KY80 out of 100, Strong$6.9B13.4%0.58%vs
Citizens Bank of Kentucky, Inc.Bank Paintsville, KY79 out of 100, Strong$669.9M13.5%0.85%vs
Farmers & Traders Bank of CamptonBank Campton, KY74 out of 100, Strong$67.2M9.2%0.05%vs
Peoples Exchange BankBank Winchester, KY71 out of 100, Strong$609.8M10.0%0.06%vs