The Citizens Bank
Morehead, KY
IDRSSD: 962313
Total Assets
$231.96M
Latest filing
Total Deposits
$176.53M
Latest filing
Net Interest Margin
4.92%
Profitability
Key People
Loading leadership data...
Locations
Main office and branches. Select to view on the map.
Main Office
The Citizens Bank
114 W Main St
Morehead, KY 40351
Full Service - Brick and Mortar
Updated 01/30/2026Established 09/28/1928FDIC Certificate 6735
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Citizens Bank (Main) | 114 W Main St | Morehead, KY |
| MAIN STREET BRANCH | 22 E Main Street | Owingsville, KY |
| TRADEMORE BRANCH | 216 Trademore Shopping Ctr | Morehead, KY |
| WEST LIBERTY BRANCH | 335 Prestonsburg St | West Liberty, KY |
| CITIZENS BANK BRANCH | 648 Main St | Sharpsburg, KY |
Showing 4 of 4
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
First Federal Savings and Loan Association
Morehead, Kentucky
→
Assets: $41.45MΔ -81.6%
Bank of Columbia
Columbia, Kentucky
→
Assets: $225.79MΔ +0.3%
Lewisburg Banking Company
Lewisburg, Kentucky
→
Assets: $223.93MΔ -0.6%
The First National Bank of Manchester
Manchester, Kentucky
→
Assets: $227.66MΔ +1.1%
Farmers Bank and Trust Company
Princeton, Kentucky
→
Assets: $230.04MΔ +2.1%
The Citizens Bank
Hickman, Kentucky
→
Assets: $215.36MΔ -4.4%
Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 09/28/1928 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 40351 |
| State and County Number | 21205 |
| 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 | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.tcbanytime.com |
| Data Updated | 01/30/2026 |
| CERT | 10520 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $231.96M |
| Total Deposits | $176.53M |
| Total Liabilities | $213.90M |
| Total Equity Capital | $18.06M |
| Net Income | $1.25M |
| Net Loans and Leases | $145.79M |
| Assets Per Employee ($Millions) | $4.64M |
| Bank Premises and Fixed Assets | $3.49M |
| Cash and Balances due from Depository Institutions | $28.94M |
| Deposits Held in Domestic Offices | $176.53M |
Key Performance Ratios
| Return on Assets (ROA) | 2.19% |
| Return on Equity (ROE) | 28.25% |
| Net Interest Margin | 4.92% |
| Efficiency Ratio | 57.88% |
| Tier 1 Risk-Based Capital Ratio | 15.53% |
| 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 | 7.785% |
| Earning Assets to total Assets | 93.91% |
Income and Expense
| Total Interest Income | $3.07M |
| Total Noninterest Income | $509.00k |
| Total Interest Expense | $423.00k |
| Total Noninterest Expense | $1.83M |
| Net Interest Income | $2.65M |
| Pre-tax Net Operating Income | $1.27M |
| Provision for Credit Losses | $60.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $5.20M |
| Federal Funds Purchased and Repurchased Agreement | $37.00M |
| All Other Liabilities | $370.00k |
| Total Liabilities and Capital | $231.96M |
Securities
| Securities | $44.13M |
| Available-for-sale debt securities | $44.13M |
| 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?
$231.96M as of the latest filing.
How much are The Citizens Bank's total deposits?
$176.53M in total deposits.
Where is The Citizens Bank located?
Morehead, KY.
What is the Net Interest Margin?
4.92%.
How many domestic offices does it operate?
5.
When was it established?
09/28/1928.
What is the Return on Assets (ROA)?
2.19%.
How much are total loans and leases?
$145.79M (latest filing).
What is the total interest income (latest filing)?
$3.07M.