Citizens Bank of Kentucky, Inc.
Paintsville, KY
IDRSSD: 495419
Total Assets
$689.27M
Latest filing
Total Deposits
$591.44M
Latest filing
Net Interest Margin
3.44%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Citizens Bank of Kentucky, Inc.
620 Broadway St
Paintsville, KY 41240
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1910FDIC Certificate 1760
Branches (11)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Citizens Bank of Kentucky, Inc. (Main) | 620 Broadway St | Paintsville, KY |
| MAYO SHOPPING PLAZA BRANCH | 333 Kentucky 321 | Paintsville, KY |
| SALYERSVILLE BRANCH | Route 114 East Mountain Parkway | Salyersville, KY |
| ALLEN BRANCH | 6474 Kentucky 1428 | Allen, KY |
| MCDOWELL BRANCH | 9674 Kentucky 122 | Mc Dowell, KY |
| CENTERPOINTE BRANCH | 50 Franklin Cor | Prestonsburg, KY |
| GRAYSON BRANCH | 167 S Carol Malone Blvd | Grayson, KY |
| WINCHESTER BRANCH | 695 Bullion Blvd | Winchester, KY |
Showing 7 of 11
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 member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/01/1910 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 41240 |
| State and County Number | 21115 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 04 |
| Numeric code | 13 |
| 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 | 125 |
| Domestic Offices | 12 |
| 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 | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.wercitizens.bank |
| Data Updated | 01/30/2026 |
| CERT | 2718 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $689.27M |
| Total Deposits | $591.44M |
| Total Liabilities | $600.07M |
| Total Equity Capital | $89.20M |
| Net Income | $1.80M |
| Net Loans and Leases | $331.83M |
| Assets Per Employee ($Millions) | $5.43M |
| Bank Premises and Fixed Assets | $11.99M |
| Cash and Balances due from Depository Institutions | $33.97M |
| Deposits Held in Domestic Offices | $591.44M |
Key Performance Ratios
| Return on Assets (ROA) | 1.03% |
| Return on Equity (ROE) | 8.21% |
| Net Interest Margin | 3.44% |
| Efficiency Ratio | 67.68% |
| Tier 1 Risk-Based Capital Ratio | 23.391% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.04% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.942% |
| Earning Assets to total Assets | 90.82% |
Income and Expense
| Total Interest Income | $7.51M |
| Total Noninterest Income | $1.17M |
| Total Interest Expense | $2.08M |
| Total Noninterest Expense | $4.47M |
| Net Interest Income | $5.44M |
| Pre-tax Net Operating Income | $2.21M |
| Provision for Credit Losses | $-73,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $112.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $1.61M |
| All Other Liabilities | $7.02M |
| Total Liabilities and Capital | $689.27M |
Securities
| Securities | $272.50M |
| Available-for-sale debt securities | $272.50M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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 of Kentucky, Inc.?
$689.27M as of the latest filing.
How much are Citizens Bank of Kentucky, Inc.'s total deposits?
$591.44M in total deposits.
Where is Citizens Bank of Kentucky, Inc. located?
Paintsville, KY.
What is the Net Interest Margin?
3.44%.
How many domestic offices does it operate?
12.
When was it established?
01/01/1910.
What is the Return on Assets (ROA)?
1.03%.
How much are total loans and leases?
$331.83M (latest filing).
What is the total interest income (latest filing)?
$7.51M.