Hyden Citizens Bank, Inc.
Hyden, KY · Cert 281 · Peer group: banks under $1B in assets in KY (n=69) · Middlefork Financial Group Inc.
State charter, non-member · FDIC · 2 affiliate banks · 4 branches (7 in holding)
Q2 2026
$148.6MAssets
$82.0MLoans
$134.8MDeposits
$9.9MEquity
Executive Summary
- Strongest standing: return on equity outperforms 91% of banks under $1B in assets in KY (rank 6 of 69).
- Widest gap: equity / assets trails 93% of banks under $1B in assets in KY (rank 64 of 69).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.21%
Rank 33 of 69
Net Interest Margin
3.78%
Rank 33 of 69
Efficiency Ratio
66.50%
Rank 42 of 69
Equity / Assets
6.67%
Rank 64 of 69
Non-interest income vs. expense
Unfavorable gap of $3.4M · efficiency ratio beats 41% of banks under $1B in assets in KY | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.21% | 0.83% | 1.18% | 1.44% | Beats 52% | 33 / 69 | |
| Return on Equity | 18.16% | 7.64% | 11.70% | 15.70% | Beats 91% | 6 / 69 | |
| Net Interest Margin | 3.78% | 3.45% | 3.75% | 3.96% | Beats 52% | 33 / 69 | |
| Efficiency Ratio | 66.50% | 55.32% | 62.99% | 70.80% | Beats 41% | 42 / 69 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.54% | 0.18% | 0.52% | 1.14% | Beats 49% | 36 / 69 | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.02% | 0.06% | Beats 57% | 31 / 69 | |
| Capital |
| Tier 1 Capital Ratio | 13.58% | 11.33% | 13.58% | 16.27% | Beats 49% | 35 / 69 | |
| Total Risk-Based Capital Ratio | 14.35% | 11.55% | 14.43% | 17.27% | Beats 48% | 36 / 69 | |
| Equity / Assets | 6.67% | 8.31% | 9.91% | 12.53% | Beats 7% | 64 / 69 | |
| Liquidity & Funding |
| Loans / Deposits | 60.80% | 71.40% | 81.07% | 88.03% | 12th pctl | 61 / 69 | |
| Loans / Assets | 55.16% | 61.10% | 68.66% | 76.68% | 20th pctl | 55 / 69 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |