Side-by-side · Q2 2026 data
Stock Yards Bank & Trust Company vs Citizens Bank of Kentucky, Inc.
Metric by metric
| Measure | Stock Yards Bank & Trust Company | Citizens Bank of Kentucky, Inc. |
|---|---|---|
| TellerScore | 72 | 79 (stronger) |
| Capital cushion | 57 | 85 (stronger) |
| Loan quality | 90 (stronger) | 72 |
| Earnings | 86 (stronger) | 61 |
| Funding & liquidity | 40 | 95 (stronger) |
| Problem-loan coverage | 96 (stronger) | 94 |
| Peer percentile | 79th | 75th |
| Total assets | $10.4B | $669.9M |
| Deposits / shares | $8.5B | $571.0M |
| Capital ratio | 10.74% | 13.51% (stronger) |
| Problem loans | 0.31% (stronger) | 0.85% |
| Net charge-offs | -0.00% (stronger) | 0.03% |
| Return on assets | 1.64% (stronger) | 1.04% |
| Loans ÷ deposits | 91.7% | 59.8% (stronger) |
| Uninsured deposits | 41.0% | 20.0% (stronger) |
| Offices | 81 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.5% | 18.3% |
Citizens Bank of Kentucky, Inc. has the higher TellerScore (79 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Stock Yards Bank & Trust Company leads on 3 and Citizens Bank of Kentucky, Inc. on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.