Citizens Deposit Bank of Arlington, Inc. (FDIC certificate #16852) is based in Arlington, Kentucky. Its Q2 2026 call report shows $348.2M in total assets and $287.8M in deposits and 5 offices.
Based on its Q2 2026 filing, Citizens Deposit Bank of Arlington, Inc. scores 77/100, which we describe as strong. That is higher than 68% of 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 35th. Its strongest component is problem-loan coverage (90/100; 5.1%), and its lowest is funding & liquidity (54/100; 85% loans-to-deposits, 35% uninsured).
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 fell 3 points (80 → 77), mostly because the loan quality component weakened by 8 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 79 |
| Q3 2024 | 80 |
| Q4 2024 | 78 |
| Q1 2025 | 77 |
| Q2 2025 | 80 |
| Q3 2025 | 84 |
| Q4 2025 | 78 |
| Q1 2026 | 78 |
| Q2 2026 | 77 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 14.60% |
| Q3 2024 | 14.33% |
| Q4 2024 | 14.14% |
| Q1 2025 | 14.14% |
| Q2 2025 | 14.24% |
| Q3 2025 | 13.76% |
| Q4 2025 | 13.53% |
| Q1 2026 | 13.40% |
| Q2 2026 | 13.66% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.67% |
| Q3 2024 | 0.50% |
| Q4 2024 | 0.67% |
| Q1 2025 | 0.96% |
| Q2 2025 | 0.68% |
| Q3 2025 | 0.16% |
| Q4 2025 | 0.67% |
| Q1 2026 | 0.70% |
| Q2 2026 | 0.94% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.04% |
| Q3 2024 | 1.09% |
| Q4 2024 | 1.18% |
| Q1 2025 | 1.31% |
| Q2 2025 | 1.43% |
| Q3 2025 | 1.45% |
| Q4 2025 | 1.46% |
| Q1 2026 | 1.48% |
| Q2 2026 | 1.60% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 77 | $348.2M | 13.66% | 0.94% | 1.60% | 85.1% |
| Q1 2026 | 78 | $342.4M | 13.40% | 0.70% | 1.48% | 82.1% |
| Q4 2025 | 78 | $347.9M | 13.53% | 0.67% | 1.46% | 82.9% |
| Q3 2025 | 84 | $332.6M | 13.76% | 0.16% | 1.45% | 85.3% |
| Q2 2025 | 80 | $320.2M | 14.24% | 0.68% | 1.43% | 86.1% |
| Q1 2025 | 77 | $317.9M | 14.14% | 0.96% | 1.31% | 81.2% |
| Q4 2024 | 78 | $313.9M | 14.14% | 0.67% | 1.18% | 84.1% |
| Q3 2024 | 80 | $309.8M | 14.33% | 0.50% | 1.09% | 86.2% |
| Q2 2024 | 79 | $302.4M | 14.60% | 0.67% | 1.04% | 84.3% |
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 |
|---|---|---|---|---|---|
| 1st Trust Bank, Inc.Bank Hazard, KY | 64 out of 100, Moderate | $351.7M | 9.6% | 0.15% | vs |
| United Southern BankBank Hopkinsville, KY | 81 out of 100, Strong | $353.7M | 12.7% | 0.37% | vs |
| Kentucky Farmers Bank CorporationBank Catlettsburg, KY | 93 out of 100, Very strong | $328.5M | 15.7% | 0.43% | vs |
| The First National Bank of GraysonBank Grayson, KY | 79 out of 100, Strong | $371.9M | 13.0% | 0.96% | vs |
| Citizens Bank & Trust CompanyBank Campbellsville, KY | 79 out of 100, Strong | $383.4M | 13.1% | 0.57% | vs |
| The Farmers Bank of MiltonBank Milton, KY | 64 out of 100, Moderate | $305.1M | 12.6% | 1.26% | vs |
Deposit insurance
Is my money safe at Citizens Deposit Bank of Arlington, Inc.?
Yes. Citizens Deposit Bank of Arlington, Inc. is an FDIC-insured institution (FDIC certificate #16852). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 34.5% of deposits ($99.3M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.66%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
5 locations
Branches
Citizens Deposit Bank of Arlington, Inc. lists 5 offices in 5 cities. Most locations:
- Arlington, KY (1)
- Bardwell, KY (1)
- Cunningham, KY (1)
- Kevil, KY (1)
- Wickliffe, KY (1)
Identity & history
Profile
- Legal name
- Citizens Deposit Bank of Arlington, Inc.
- Type
- State-chartered bank
- FDIC certificate #
- 16852
- RSSD ID
- 959443
- Primary regulator
- FDIC
- Holding company
- Carlisle Bcorp Inc
- Established
- December 1, 1949
- Headquarters
- 1 Walnut St, Arlington, KY 42021
- Website
- www.cdbky.com
- Employees
- 56
Quick answers
Citizens Deposit Bank of Arlington, Inc.: common questions
Is Citizens Deposit Bank of Arlington, Inc. FDIC insured?
Yes. Citizens Deposit Bank of Arlington, Inc. is an FDIC-insured institution (FDIC certificate #16852). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens Deposit Bank of Arlington, Inc.'s TellerScore?
77 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 Deposit Bank of Arlington, Inc. ever failed?
There is no failure record for FDIC certificate #16852 in the FDIC failed bank list.
How many branches does Citizens Deposit Bank of Arlington, Inc. have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Arlington
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| C-Plant Federal Credit UnionCredit union Paducah, KY | 92 out of 100, Very strong | $365.9M | 14.7% | 0.16% | vs |
| Shawnee TVA Employees Federal Credit UnionCredit union West Paducah, KY | 90 out of 100, Very strong | $6.6M | 22.6% | 0.00% | vs |
| Citizens' Bank of CharlestonBank Charleston, MO | 86 out of 100, Very strong | $185.1M | 20.5% | 0.83% | vs |
| The Citizens BankBank Hickman, KY | 82 out of 100, Strong | $220.4M | 12.7% | 0.34% | vs |
| Signet Federal Credit UnionCredit union Paducah, KY | 82 out of 100, Strong | $398.2M | 16.6% | 1.07% | vs |
| The Paducah Bank and Trust CompanyBank Paducah, KY | 79 out of 100, Strong | $1.1B | 10.6% | 0.19% | vs |