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Citizens Bank, The

Hickman, KY · Cert 9306 · Citizens Bcorp of Hickman Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$220.4MAssets
$166.8MLoans
$193.7MDeposits
$25.5MEquity
Loan mix
85%RE $125.0M12%C&I $17.8M3%Consumer $3.8MQ3 2024Q2 2026
Deposit mix
80%Interest-bearing $154.5M20%Noninterest $39.2MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.54%, up 37 bps year over year; NIM at 3.70%.
  • Asset quality: problem loans at 0.34% of loans (+28 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 12.67%, down 7 bps from a year ago.
  • Funding: loans stand at 86.10% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

1.54%+37 bps YoY

Net Interest Margin (quarter, annualized)

3.70%+27 bps YoY

Efficiency Ratio (quarter, annualized)

54.24%-574 bps YoY

Tier 1 Leverage Ratio

12.67%-7 bps YoY

NIM

5.39%Q2 ’245.59%Q2 ’255.67%Q2 ’26+16%+8%

Non-interest income vs. expense

2.46%Q2 ’242.32%Q2 ’252.31%Q2 ’26+8%-7%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.59%0.90%0.84%1.18%1.11%1.38%1.17%1.54%+37 bps
Return on Equity5.74%8.53%8.01%11.23%10.42%12.50%10.50%13.62%+239 bps
Net Interest Margin2.92%2.99%3.12%3.43%3.60%3.63%3.65%3.70%+27 bps
Efficiency Ratio77.60%67.23%70.38%59.98%63.93%56.71%60.52%54.24%-574 bps
Non-Interest Burden2.16%1.85%2.06%1.87%2.16%1.90%2.10%1.73%-14 bps
Growth
Asset Growth (YoY)4.71%4.07%6.21%9.74%7.18%12.26%9.36%2.78%-696 bps
Loan Growth (YoY)5.11%5.90%2.76%3.61%1.94%12.05%12.11%11.72%+811 bps
Deposit Growth (YoY)3.46%5.36%7.73%15.99%14.39%10.71%8.88%1.51%-1,448 bps
Asset Quality
Nonperforming Loans / Loans0.26%0.07%0.04%0.06%0.08%0.14%0.35%0.34%+28 bps
Net Charge-Offs / Loans0.04%0.02%0.10%-0.03%0.09%0.14%0.04%0.03%+6 bps
Allowance / Loans1.27%1.30%1.26%1.23%1.20%1.09%1.07%1.02%-21 bps
Allowance Coverage of NPLs4.9x17.7x35.2x18.9x14.8x7.7x3.0x3.0x-16.0x
Capital
Tier 1 Leverage Ratio12.68%12.85%12.84%12.74%12.29%12.26%12.44%12.67%-7 bps
Total Risk-Based Capital12.68%12.85%12.84%12.74%12.29%12.26%12.44%12.67%-7 bps
Equity / Assets10.63%10.41%10.51%10.43%10.93%11.19%11.11%11.55%+112 bps
Liquidity & Funding
Loans / Deposits88.58%81.30%79.43%78.23%78.94%82.29%81.79%86.10%+787 bps
Liquid Assets / Assets0.13%0.14%0.13%0.13%0.13%0.13%0.13%0.16%+3 bps
CRE / Total Capitaln/an/an/an/a157.56%155.45%158.92%n/an/a