The Citizens Bank
Hickman, KY
IDRSSD: 617145
Total Assets
$221.29M
Latest filing
Total Deposits
$194.46M
Latest filing
Net Interest Margin
3.92%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The Citizens Bank
1522 Union City Hwy
Hickman, KY 42050
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1930FDIC Certificate 5961
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Citizens Bank (Main) | 1522 Union City Hwy | Hickman, KY |
| NOLAN AVENUE BRANCH | 201 Nolan Ave | Fulton, KY |
| UNION CITY BRANCH | 1304 W Reelfoot Ave | Union City, TN |
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 | 01/01/1930 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 42050 |
| State and County Number | 21075 |
| Subchapter S Corporations | Yes |
| Trust Powers | Limited Trust Powers Granted |
| Federal Reserve ID Number | 08 |
| 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 | 36 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/20/2025 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.citizenshickman.com |
| Data Updated | 01/30/2026 |
| CERT | 9306 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $221.29M |
| Total Deposits | $194.46M |
| Total Liabilities | $196.52M |
| Total Equity Capital | $24.77M |
| Net Income | $957.00k |
| Net Loans and Leases | $158.27M |
| Assets Per Employee ($Millions) | $6.15M |
| Bank Premises and Fixed Assets | $2.78M |
| Cash and Balances due from Depository Institutions | $6.75M |
| Deposits Held in Domestic Offices | $194.46M |
Key Performance Ratios
| Return on Assets (ROA) | 1.75% |
| Return on Equity (ROE) | 15.85% |
| Net Interest Margin | 3.92% |
| Efficiency Ratio | 56.71% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.192% |
| Earning Assets to total Assets | 93.64% |
Income and Expense
| Total Interest Income | $3.09M |
| Total Noninterest Income | $256.00k |
| Total Interest Expense | $1.08M |
| Total Noninterest Expense | $1.31M |
| Net Interest Income | $2.01M |
| Pre-tax Net Operating Income | $957.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $3.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $1.51M |
| All Other Liabilities | $554.00k |
| Total Liabilities and Capital | $221.29M |
Securities
| Securities | $48.65M |
| Available-for-sale debt securities | $48.65M |
| 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 The Citizens Bank?
$221.29M as of the latest filing.
How much are The Citizens Bank's total deposits?
$194.46M in total deposits.
Where is The Citizens Bank located?
Hickman, KY.
What is the Net Interest Margin?
3.92%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1930.
What is the Return on Assets (ROA)?
1.75%.
How much are total loans and leases?
$158.27M (latest filing).
What is the total interest income (latest filing)?
$3.09M.