Citizens Bank, The
Hickman, KY · Cert 9306 · Peer group: banks under $1B in assets in KY (n=69) · Citizens Bcorp of Hickman Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$220.4MAssets
$166.8MLoans
$193.7MDeposits
$25.5MEquity
Executive Summary
- Strongest standing: return on assets outperforms 68% of banks under $1B in assets in KY (rank 22 of 69).
- Widest gap: total risk-based capital ratio trails 67% of banks under $1B in assets in KY (rank 46 of 69).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.37%
Rank 22 of 69
Net Interest Margin
3.68%
Rank 37 of 69
Efficiency Ratio
58.34%
Rank 28 of 69
Equity / Assets
11.55%
Rank 23 of 69
Non-interest income vs. expense
Unfavorable gap of $4.3M · efficiency ratio beats 61% of banks under $1B in assets in KY | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.37% | 0.83% | 1.18% | 1.44% | Beats 68% | 22 / 69 | | |
| Return on Equity | 11.84% | 7.64% | 11.70% | 15.70% | Beats 51% | 34 / 69 | | |
| Net Interest Margin | 3.68% | 3.45% | 3.75% | 3.96% | Beats 46% | 37 / 69 | | |
| Efficiency Ratio | 58.34% | 55.32% | 62.99% | 70.80% | Beats 61% | 28 / 69 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.34% | 0.18% | 0.52% | 1.14% | Beats 59% | 29 / 69 | | |
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.02% | 0.06% | Beats 45% | 39 / 69 | | |
| Capital |
| Tier 1 Capital Ratio | 12.67% | 11.33% | 13.58% | 16.27% | Beats 38% | 43 / 69 | | |
| Total Risk-Based Capital Ratio | 12.67% | 11.55% | 14.43% | 17.27% | Beats 33% | 46 / 69 | | |
| Equity / Assets | 11.55% | 8.31% | 9.91% | 12.53% | Beats 67% | 23 / 69 | | |
| Liquidity & Funding |
| Loans / Deposits | 86.10% | 71.40% | 81.07% | 88.03% | 68th pctl | 22 / 69 | | |
| Loans / Assets | 75.68% | 61.10% | 68.66% | 76.68% | 70th pctl | 21 / 69 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |