Citizens Bank
Mount Vernon, KY
IDRSSD: 840019
Total Assets
$246.26M
Latest filing
Total Deposits
$212.97M
Latest filing
Net Interest Margin
4.15%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Citizens Bank
411 Dysart Way
Mount Vernon, KY 40456
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1904FDIC Certificate 209
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Citizens Bank (Main) | 411 Dysart Way | Mount Vernon, KY |
| MCKEE BRANCH | 166 Highway 421 N | Mc Kee, KY |
| BRODHEAD BRANCH | 53 S Main St | Brodhead, KY |
| SOMERSET BRANCH | 1850 S Highway 27 | Somerset, KY |
| BEREA BRANCH | 856 Ridgewood Drive Suite A | Berea, KY |
Showing 4 of 4
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 | 01/01/1904 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 40456 |
| State and County Number | 21203 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| 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 | 50 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 12/31/2021 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.citizensbankrb.com |
| Data Updated | 11/14/2025 |
| CERT | 262 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $246.26M |
| Total Deposits | $212.97M |
| Total Liabilities | $226.79M |
| Total Equity Capital | $19.47M |
| Net Income | $843.00k |
| Net Loans and Leases | $208.65M |
| Assets Per Employee ($Millions) | $4.56M |
| Bank Premises and Fixed Assets | $4.21M |
| Cash and Balances due from Depository Institutions | $8.46M |
| Deposits Held in Domestic Offices | $212.97M |
Key Performance Ratios
| Return on Assets (ROA) | 1.38% |
| Return on Equity (ROE) | 17.63% |
| Net Interest Margin | 4.15% |
| Efficiency Ratio | 66.61% |
| Tier 1 Risk-Based Capital Ratio | 11.144% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.1% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.906% |
| Earning Assets to total Assets | 93.5% |
Income and Expense
| Total Interest Income | $3.69M |
| Total Noninterest Income | $339.00k |
| Total Interest Expense | $1.32M |
| Total Noninterest Expense | $1.80M |
| Net Interest Income | $2.37M |
| Pre-tax Net Operating Income | $843.00k |
| Provision for Credit Losses | $60.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $13.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $606.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $826.00k |
| Total Liabilities and Capital | $246.26M |
Securities
| Securities | $16.97M |
| Available-for-sale debt securities | $16.97M |
| 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?
$246.26M as of the latest filing.
How much are Citizens Bank's total deposits?
$212.97M in total deposits.
Where is Citizens Bank located?
Mount Vernon, KY.
What is the Net Interest Margin?
4.15%.
How many domestic offices does it operate?
5.
When was it established?
01/01/1904.
What is the Return on Assets (ROA)?
1.38%.
How much are total loans and leases?
$208.65M (latest filing).
What is the total interest income (latest filing)?
$3.69M.