Side-by-side · Q2 2026 data
The Citizens Bank vs First Kentucky Bank, Inc.
Metric by metric
| Measure | The Citizens Bank | First Kentucky Bank, Inc. |
|---|---|---|
| TellerScore | 82 (stronger) | 73 |
| Capital cushion | 77 (stronger) | 43 |
| Loan quality | 89 | 92 (stronger) |
| Earnings | 89 (stronger) | 70 |
| Funding & liquidity | 63 | 87 (stronger) |
| Problem-loan coverage | 96 | 96 |
| Peer percentile | 82nd | 53rd |
| Total assets | $220.4M | $585.6M |
| Deposits / shares | $193.7M | $508.2M |
| Capital ratio | 12.67% (stronger) | 9.35% |
| Problem loans | 0.34% | 0.25% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.04% |
| Return on assets | 1.73% (stronger) | 1.26% |
| Loans ÷ deposits | 85.2% | 70.2% (stronger) |
| Uninsured deposits | 26.0% | 17.8% (stronger) |
| Offices | 3 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 15.9% |
The Citizens Bank has the higher TellerScore (82 vs 73). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank leads on 4 and First Kentucky Bank, Inc. on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.