Side-by-side · Q2 2026 data
Citizens Bank vs First National Bank of Kentucky
Metric by metric
| Measure | Citizens Bank | First National Bank of Kentucky |
|---|---|---|
| TellerScore | 60 | 70 (stronger) |
| Capital cushion | 31 | 42 (stronger) |
| Loan quality | 68 | 80 (stronger) |
| Earnings | 83 | 89 (stronger) |
| Funding & liquidity | 61 | 68 (stronger) |
| Problem-loan coverage | 76 | 89 (stronger) |
| Peer percentile | 19th | 43rd |
| Total assets | $250.4M | $258.0M |
| Deposits / shares | $221.6M | $227.6M |
| Capital ratio | 8.09% | 9.16% (stronger) |
| Problem loans | 0.96% | 0.60% (stronger) |
| Net charge-offs | 0.04% | 0.01% (stronger) |
| Return on assets | 1.57% | 1.72% (stronger) |
| Loans ÷ deposits | 96.1% | 88.9% (stronger) |
| Uninsured deposits | 17.5% (stronger) | 17.9% |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.4% |
First National Bank of Kentucky has the higher TellerScore (70 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 1 and First National Bank of Kentucky on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.