Citizens Bank & Trust Co. of Jackson
Jackson, KY
IDRSSD: 765318
Total Assets
$211.85M
Latest filing
Total Deposits
$187.48M
Latest filing
Net Interest Margin
4.66%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Citizens Bank & Trust Co. of Jackson
720 Highway 15 S
Jackson, KY 41339
Full Service - Brick and Mortar
Updated 11/14/2025Established 11/17/1962FDIC Certificate 12505
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Citizens Bank & Trust Co. of Jackson (Main) | 720 Highway 15 S | Jackson, KY |
| 1138 MAIN STREET BRANCH | 1138 Main St | Jackson, KY |
| BEATTYVILLE KY BRANCH | 224 Main St | Beattyville, KY |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 11/17/1962 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 41339 |
| State and County Number | 21025 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 04 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 46 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 11/17/1962 |
| Primary Insurance Agency | DIF |
| Website | www.citizensbankjackson.bank |
| Data Updated | 11/14/2025 |
| CERT | 18620 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $211.85M |
| Total Deposits | $187.48M |
| Total Liabilities | $188.86M |
| Total Equity Capital | $23.00M |
| Net Income | $1.45M |
| Net Loans and Leases | $155.00M |
| Assets Per Employee ($Millions) | $4.51M |
| Bank Premises and Fixed Assets | $2.60M |
| Cash and Balances due from Depository Institutions | $18.43M |
| Deposits Held in Domestic Offices | $187.48M |
Key Performance Ratios
| Return on Assets (ROA) | 2.71% |
| Return on Equity (ROE) | 26.02% |
| Net Interest Margin | 4.66% |
| Efficiency Ratio | 56.6% |
| Tier 1 Risk-Based Capital Ratio | 14.805% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.06% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.854% |
| Earning Assets to total Assets | 92.01% |
Income and Expense
| Total Interest Income | $3.15M |
| Total Noninterest Income | $1.11M |
| Total Interest Expense | $859.00k |
| Total Noninterest Expense | $1.93M |
| Net Interest Income | $2.29M |
| Pre-tax Net Operating Income | $1.45M |
| Provision for Credit Losses | $30.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $928.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $3.36M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.38M |
| Total Liabilities and Capital | $211.85M |
Securities
| Securities | $22.33M |
| Available-for-sale debt securities | $22.33M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens Bank & Trust Co. of Jackson?
$211.85M as of the latest filing.
How much are Citizens Bank & Trust Co. of Jackson's total deposits?
$187.48M in total deposits.
Where is Citizens Bank & Trust Co. of Jackson located?
Jackson, KY.
What is the Net Interest Margin?
4.66%.
How many domestic offices does it operate?
3.
When was it established?
11/17/1962.
What is the Return on Assets (ROA)?
2.71%.
How much are total loans and leases?
$155.00M (latest filing).
What is the total interest income (latest filing)?
$3.15M.