The Citizens Bank (FDIC certificate #10520) is based in Morehead, Kentucky. Its Q2 2026 call report shows $228.6M in total assets and $181.9M in deposits and 5 offices.
Based on its Q2 2026 filing, The Citizens Bank scores 76/100, which we describe as strong. That is higher than 64% of 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 42nd. Its strongest component is earnings (100/100; 2.15%), and its lowest is capital cushion (37/100; 8.72%).
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 8 points (68 → 76), mostly because the funding & liquidity component improved by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 70 |
| Q3 2024 | 72 |
| Q4 2024 | 67 |
| Q1 2025 | 71 |
| Q2 2025 | 68 |
| Q3 2025 | 74 |
| Q4 2025 | 74 |
| Q1 2026 | 77 |
| Q2 2026 | 76 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 7.95% |
| Q3 2024 | 8.24% |
| Q4 2024 | 8.05% |
| Q1 2025 | 8.27% |
| Q2 2025 | 7.88% |
| Q3 2025 | 8.11% |
| Q4 2025 | 8.07% |
| Q1 2026 | 8.87% |
| Q2 2026 | 8.72% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.07% |
| Q3 2024 | 0.07% |
| Q4 2024 | 0.08% |
| Q1 2025 | 0.35% |
| Q2 2025 | 0.34% |
| Q3 2025 | 0.03% |
| Q4 2025 | 0.03% |
| Q1 2026 | 0.07% |
| Q2 2026 | 0.06% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.43% |
| Q3 2024 | 1.59% |
| Q4 2024 | 1.26% |
| Q1 2025 | 1.73% |
| Q2 2025 | 1.80% |
| Q3 2025 | 1.93% |
| Q4 2025 | 2.00% |
| Q1 2026 | 2.19% |
| Q2 2026 | 2.15% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 76 | $228.6M | 8.72% | 0.06% | 2.15% | 82.8% |
| Q1 2026 | 77 | $227.9M | 8.87% | 0.07% | 2.19% | 81.9% |
| Q4 2025 | 74 | $232.0M | 8.07% | 0.03% | 2.00% | 82.6% |
| Q3 2025 | 74 | $225.2M | 8.11% | 0.03% | 1.93% | 81.9% |
| Q2 2025 | 68 | $226.2M | 7.88% | 0.34% | 1.80% | 77.8% |
| Q1 2025 | 71 | $225.3M | 8.27% | 0.35% | 1.73% | 78.3% |
| Q4 2024 | 67 | $202.7M | 8.05% | 0.08% | 1.26% | 79.5% |
| Q3 2024 | 72 | $204.2M | 8.24% | 0.07% | 1.59% | 79.1% |
| Q2 2024 | 70 | $204.5M | 7.95% | 0.07% | 1.43% | 74.1% |
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 First National Bank of ManchesterBank Manchester, KY | 55 out of 100, Moderate | $230.1M | 9.9% | 1.62% | vs |
| Bank of ColumbiaBank Columbia, KY | 76 out of 100, Strong | $231.1M | 9.3% | 0.19% | vs |
| The Citizens BankBank Hickman, KY | 82 out of 100, Strong | $220.4M | 12.7% | 0.34% | vs |
| United Citizens Bank & Trust CompanyBank Campbellsburg, KY | 56 out of 100, Moderate | $219.3M | 10.0% | 1.78% | vs |
| Citizens Bank & Trust Co. of JacksonBank Jackson, KY | 42 out of 100, Below average | $217.3M | 9.7% | 3.35% | vs |
| Commercial BankBank West Liberty, KY | 65 out of 100, Moderate | $216.1M | 10.0% | 1.14% | vs |
Deposit insurance
Is my money safe at The Citizens Bank?
Yes. The Citizens Bank is an FDIC-insured institution (FDIC certificate #10520). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 21.9% of deposits ($39.8M) 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 8.72%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.27% (benchmark: 10%).
5 locations
Branches
The Citizens Bank lists 5 offices in 4 cities. Most locations:
- Morehead, KY (2)
- Owingsville, KY (1)
- Sharpsburg, KY (1)
- West Liberty, KY (1)
Identity & history
Profile
- Legal name
- The Citizens Bank
- Type
- State-chartered bank
- FDIC certificate #
- 10520
- RSSD ID
- 962313
- Primary regulator
- FDIC
- Holding company
- Citizens Bcorp Morehead Inc
- Established
- September 28, 1928
- Headquarters
- 114 W Main St, Morehead, KY 40351
- Website
- www.tcbanytime.com
- Employees
- 50
Quick answers
The Citizens Bank: common questions
Is The Citizens Bank FDIC insured?
Yes. The Citizens Bank is an FDIC-insured institution (FDIC certificate #10520). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Citizens Bank's TellerScore?
76 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 The Citizens Bank ever failed?
There is no failure record for FDIC certificate #10520 in the FDIC failed bank list.
How many branches does The Citizens Bank have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Morehead
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Morehead Community Federal Credit UnionCredit union Morehead, KY | 88 out of 100, Very strong | $65.1M | 13.5% | 0.50% | vs |
| 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 |
| The First National Bank of GraysonBank Grayson, KY | 79 out of 100, Strong | $371.9M | 13.0% | 0.96% | vs |
| Traditional Bank, Inc.Bank Mount Sterling, KY | 73 out of 100, Strong | $2.4B | 10.6% | 0.25% | vs |
| Stock Yards Bank & Trust CompanyBank Louisville, KY | 72 out of 100, Strong | $10.4B | 10.7% | 0.31% | vs |