Hyden Citizens Bank is a state-chartered bank headquartered in Hyden, Kentucky, in business for about 122 years. At the end of Q2 2026 it reported $148.6M in total assets and $134.8M in deposits, with 4 offices.
Hyden Citizens Bank has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than 53% of its 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 61st. Funding & liquidity contributes the most (96/100, 60% loans-to-deposits, 19% uninsured); capital cushion contributes the least (42/100, 9.18%).
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 3 points (70 → 73), mostly because the earnings component improved by 25 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 66 |
| Q3 2024 | 65 |
| Q4 2024 | 67 |
| Q1 2025 | 69 |
| Q2 2025 | 70 |
| Q3 2025 | 69 |
| Q4 2025 | 71 |
| Q1 2026 | 71 |
| Q2 2026 | 73 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.62% |
| Q3 2024 | 8.62% |
| Q4 2024 | 8.75% |
| Q1 2025 | 8.76% |
| Q2 2025 | 8.84% |
| Q3 2025 | 8.91% |
| Q4 2025 | 9.08% |
| Q1 2026 | 9.07% |
| Q2 2026 | 9.18% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.24% |
| Q3 2024 | 0.37% |
| Q4 2024 | 0.34% |
| Q1 2025 | 0.25% |
| Q2 2025 | 0.28% |
| Q3 2025 | 0.35% |
| Q4 2025 | 0.35% |
| Q1 2026 | 0.33% |
| Q2 2026 | 0.54% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.47% |
| Q3 2024 | 0.52% |
| Q4 2024 | 0.68% |
| Q1 2025 | 0.76% |
| Q2 2025 | 0.95% |
| Q3 2025 | 0.95% |
| Q4 2025 | 1.04% |
| Q1 2026 | 1.02% |
| Q2 2026 | 1.57% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $148.6M | 9.18% | 0.54% | 1.57% | 60.2% |
| Q1 2026 | 71 | $144.3M | 9.07% | 0.33% | 1.02% | 64.3% |
| Q4 2025 | 71 | $146.2M | 9.08% | 0.35% | 1.04% | 64.0% |
| Q3 2025 | 69 | $145.1M | 8.91% | 0.35% | 0.95% | 62.0% |
| Q2 2025 | 70 | $143.8M | 8.84% | 0.28% | 0.95% | 60.1% |
| Q1 2025 | 69 | $144.6M | 8.76% | 0.25% | 0.76% | 63.3% |
| Q4 2024 | 67 | $144.8M | 8.75% | 0.34% | 0.68% | 61.6% |
| Q3 2024 | 65 | $147.6M | 8.62% | 0.37% | 0.52% | 60.9% |
| Q2 2024 | 66 | $142.8M | 8.62% | 0.24% | 0.47% | 60.2% |
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 Sacramento Deposit BankBank Sacramento, KY | 74 out of 100, Strong | $149.8M | 9.5% | 0.76% | vs |
| Independent Correspondent Bankers' Bank, Inc.Bank Frankfort, KY | 69 out of 100, Moderate | $151.4M | 13.2% | 0.99% | vs |
| The Peoples BankBank Taylorsville, KY | 74 out of 100, Strong | $145.0M | 10.8% | 0.97% | vs |
| Bank of Cadiz and Trust CompanyBank Cadiz, KY | 74 out of 100, Strong | $142.9M | 9.1% | 0.00% | vs |
| Bank of BuffaloBank Buffalo, KY | 69 out of 100, Moderate | $140.5M | 9.8% | 0.69% | vs |
| Commonwealth Community Bank, Inc.Bank Hartford, KY | 83 out of 100, Strong | $157.7M | 14.7% | 0.24% | vs |
Deposit insurance
Is my money safe at Hyden Citizens Bank?
Yes. Hyden Citizens Bank is an FDIC-insured institution (FDIC certificate #281). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 18.6% of deposits ($25.1M) 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 9.18%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.35% (benchmark: 10%).
4 locations
Branches
Hyden Citizens Bank lists 3 offices in 2 cities. Most locations:
- Hyden, KY (2)
- Hoskinston, KY (1)
Identity & history
Profile
- Legal name
- Hyden Citizens Bank
- Type
- State-chartered bank
- FDIC certificate #
- 281
- RSSD ID
- 211114
- Primary regulator
- FDIC
- Holding company
- Middlefork Financial Group Inc
- Established
- September 1, 1904
- Headquarters
- 22023 Main St, Hyden, KY 41749
- Website
- www.hydencitizensbank.com
- Employees
- 31
Quick answers
Hyden Citizens Bank: common questions
Is Hyden Citizens Bank FDIC insured?
Yes. Hyden Citizens Bank is an FDIC-insured institution (FDIC certificate #281). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Hyden Citizens Bank's TellerScore?
73 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 Hyden Citizens Bank ever failed?
There is no failure record for FDIC certificate #281 in the FDIC failed bank list.
How many branches does Hyden Citizens Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Hyden
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Whitaker BankBank Lexington, KY | 84 out of 100, Strong | $1.9B | 12.9% | 0.21% | vs |
| Community Trust Bank, Inc.Bank Pikeville, KY | 80 out of 100, Strong | $6.9B | 13.4% | 0.58% | vs |
| Commercial BankBank Harrogate, TN | 77 out of 100, Strong | $2.4B | 11.6% | 0.35% | vs |
| First Federal Savings and Loan AssociationBank Hazard, KY | 69 out of 100, Moderate | $81.3M | 21.6% | 1.69% | vs |
| 1st Trust Bank, Inc.Bank Hazard, KY | 64 out of 100, Moderate | $351.7M | 9.6% | 0.15% | vs |
| PNC Bank, National AssociationBank Wilmington, DE | 62 out of 100, Moderate | $609.8B | 9.0% | 0.74% | vs |