The Citizens Bank
Hickman, KY
IDRSSD: 617145
Total Assets
$215.36M
Latest filing
Total Deposits
$190.88M
Latest filing
Net Interest Margin
3.77%
Profitability
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 11/14/2025Established 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 | 35 |
| 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 | 11/14/2025 |
| CERT | 9306 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $215.36M |
| Total Deposits | $190.88M |
| Total Liabilities | $191.81M |
| Total Equity Capital | $23.54M |
| Net Income | $761.00k |
| Net Loans and Leases | $148.87M |
| Assets Per Employee ($Millions) | $5.98M |
| Bank Premises and Fixed Assets | $2.79M |
| Cash and Balances due from Depository Institutions | $4.72M |
| Deposits Held in Domestic Offices | $190.88M |
Key Performance Ratios
| Return on Assets (ROA) | 1.42% |
| Return on Equity (ROE) | 13.26% |
| Net Interest Margin | 3.77% |
| Efficiency Ratio | 63.93% |
| 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 | 10.932% |
| Earning Assets to total Assets | 94.48% |
Income and Expense
| Total Interest Income | $3.03M |
| Total Noninterest Income | $272.00k |
| Total Interest Expense | $1.11M |
| Total Noninterest Expense | $1.43M |
| Net Interest Income | $1.92M |
| Pre-tax Net Operating Income | $761.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $4.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $5.03M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $935.00k |
| Total Liabilities and Capital | $215.36M |
Securities
| Securities | $49.30M |
| Available-for-sale debt securities | $49.30M |
| 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 The Citizens Bank?
$215.36M as of the latest filing.
How much are The Citizens Bank's total deposits?
$190.88M in total deposits.
Where is The Citizens Bank located?
Hickman, KY.
What is the Net Interest Margin?
3.77%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1930.
What is the Return on Assets (ROA)?
1.42%.
How much are total loans and leases?
$148.87M (latest filing).
What is the total interest income (latest filing)?
$3.03M.