Citizens Bank of Kentucky, Inc. (FDIC certificate #2718) is based in Paintsville, Kentucky. Its Q2 2026 call report shows $669.9M in total assets and $571.0M in deposits and 12 offices.
Based on its Q2 2026 filing, Citizens Bank of Kentucky, Inc. scores 79/100, which we describe as strong. That is higher than 75% of 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 25th. Its strongest component is funding & liquidity (95/100; 60% loans-to-deposits, 20% uninsured), and its lowest is earnings (61/100; 1.04%).
TellerScore · Q2 2026
Scorecard
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 rose 2 points (77 → 79), mostly because the capital cushion component improved by 7 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 79 |
| Q3 2024 | 79 |
| Q4 2024 | 76 |
| Q1 2025 | 76 |
| Q2 2025 | 77 |
| Q3 2025 | 76 |
| Q4 2025 | 77 |
| Q1 2026 | 79 |
| Q2 2026 | 79 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.92% |
| Q3 2024 | 12.81% |
| Q4 2024 | 12.80% |
| Q1 2025 | 12.92% |
| Q2 2025 | 12.81% |
| Q3 2025 | 12.75% |
| Q4 2025 | 12.83% |
| Q1 2026 | 13.25% |
| Q2 2026 | 13.51% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.42% |
| Q3 2024 | 0.38% |
| Q4 2024 | 0.75% |
| Q1 2025 | 0.80% |
| Q2 2025 | 0.75% |
| Q3 2025 | 0.75% |
| Q4 2025 | 0.72% |
| Q1 2026 | 0.68% |
| Q2 2026 | 0.85% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.72% |
| Q3 2024 | 0.78% |
| Q4 2024 | 0.81% |
| Q1 2025 | 0.79% |
| Q2 2025 | 0.88% |
| Q3 2025 | 0.88% |
| Q4 2025 | 0.92% |
| Q1 2026 | 0.95% |
| Q2 2026 | 1.04% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 79 | $669.9M | 13.51% | 0.85% | 1.04% | 59.8% |
| Q1 2026 | 79 | $686.0M | 13.25% | 0.68% | 0.95% | 57.3% |
| Q4 2025 | 77 | $689.3M | 12.83% | 0.72% | 0.92% | 56.1% |
| Q3 2025 | 76 | $701.7M | 12.75% | 0.75% | 0.88% | 52.8% |
| Q2 2025 | 77 | $689.8M | 12.81% | 0.75% | 0.88% | 54.4% |
| Q1 2025 | 76 | $678.9M | 12.92% | 0.80% | 0.79% | 55.0% |
| Q4 2024 | 76 | $659.7M | 12.80% | 0.75% | 0.81% | 55.4% |
| Q3 2024 | 79 | $678.5M | 12.81% | 0.38% | 0.78% | 53.8% |
| Q2 2024 | 79 | $668.3M | 12.92% | 0.42% | 0.72% | 58.0% |
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).
Similar-size banks in Kentucky
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Citizens National Bank of SomersetBank Somerset, KY | 75 out of 100, Strong | $700.9M | 9.0% | 0.18% | vs |
| First & Farmers National Bank, Inc.Bank Somerset, KY | 75 out of 100, Strong | $714.2M | 11.5% | 0.77% | vs |
| Peoples Exchange BankBank Winchester, KY | 71 out of 100, Strong | $609.8M | 10.0% | 0.06% | vs |
| Hearthside Bank CorporationBank Middlesboro, KY | 68 out of 100, Moderate | $608.9M | 10.1% | 0.32% | vs |
| First United Bank and Trust CompanyBank Madisonville, KY | 74 out of 100, Strong | $591.4M | 9.5% | 0.25% | vs |
| First Kentucky Bank, Inc.Bank Mayfield, KY | 73 out of 100, Strong | $585.6M | 9.3% | 0.25% | vs |
Deposit insurance
Is my money safe at Citizens Bank of Kentucky, Inc.?
Yes. Citizens Bank of Kentucky, Inc. is an FDIC-insured institution (FDIC certificate #2718). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 20.0% of deposits ($113.9M) 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 13.51%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 24.74% (benchmark: 10%).
12 locations
Branches
Citizens Bank of Kentucky, Inc. lists 12 offices in 10 cities. Most locations:
- Paintsville, KY (2)
- Pikeville, KY (2)
- Allen, KY (1)
- Ashland, KY (1)
- Grayson, KY (1)
- Louisa, KY (1)
- Mc Dowell, KY (1)
- Prestonsburg, KY (1)
- Salyersville, KY (1)
- Winchester, KY (1)
HMDA 2025
Mortgage lending
In 2025, Citizens Bank of Kentucky, Inc. reported 142 home-loan applications under HMDA (LEI 549300L1U2HOTC8O4K95): 98 originated ($25,300,000 total), 22 denied, and 22 withdrawn or closed by the applicant. Its denial rate on decided applications was 18.3%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Citizens Bank of Kentucky, Inc.
- Former names
- Citizens National Bank of Paintsville; The Second National Bank of Paintsville
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 2718
- RSSD ID
- 495419
- Primary regulator
- FED
- Holding company
- Citizens National Corp
- Established
- January 1, 1910
- Headquarters
- 620 Broadway St, Paintsville, KY 41240
- Website
- www.wercitizens.bank
- Employees
- 116
Quick answers
Citizens Bank of Kentucky, Inc.: common questions
Is Citizens Bank of Kentucky, Inc. FDIC insured?
Yes. Citizens Bank of Kentucky, Inc. is an FDIC-insured institution (FDIC certificate #2718). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens Bank of Kentucky, Inc.'s TellerScore?
79 out of 100 (Strong), 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 of Kentucky, Inc. ever failed?
There is no failure record for FDIC certificate #2718 in the FDIC failed bank list.
How many branches does Citizens Bank of Kentucky, Inc. have?
12 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Paintsville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Salyersville National BankBank Salyersville, KY | 89 out of 100, Very strong | $163.5M | 14.2% | 0.00% | vs |
| Community Trust Bank, Inc.Bank Pikeville, KY | 80 out of 100, Strong | $6.9B | 13.4% | 0.58% | vs |
| The First National Bank of GraysonBank Grayson, KY | 79 out of 100, Strong | $371.9M | 13.0% | 0.96% | vs |
| City National Bank of West VirginiaBank Charleston, WV | 78 out of 100, Strong | $6.8B | 9.6% | 0.22% | vs |
| Commonwealth Federal Credit UnionCredit union Frankfort, KY | 73 out of 100, Strong | $2.9B | 11.3% | 0.87% | vs |
| Stock Yards Bank & Trust CompanyBank Louisville, KY | 72 out of 100, Strong | $10.4B | 10.7% | 0.31% | vs |