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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 1.36%, up 35 bps year over year; NIM at 3.68%.
  • Asset quality: problem loans at 0.34% of loans (+28 bps YoY), with net charge-offs at 0.04%.
  • 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 (YTD, annualized)

1.36%+35 bps YoY

Net Interest Margin (YTD, annualized)

3.68%+41 bps YoY

Efficiency Ratio (YTD, annualized)

57.33%-763 bps YoY

Tier 1 Leverage Ratio

12.67%-7 bps YoY

NIM

5.23%Q2 ’245.47%Q2 ’255.62%Q2 ’26+12%+12%

Non-interest income vs. expense

2.49%Q2 ’242.42%Q2 ’252.46%Q2 ’26+4%-2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.74%0.78%0.84%1.01%1.05%1.14%1.17%1.36%+35 bps
Return on Equity7.23%7.63%8.01%9.66%9.91%10.63%10.50%12.05%+239 bps
Net Interest Margin2.88%2.90%3.12%3.27%3.26%3.26%3.65%3.68%+41 bps
Efficiency Ratio73.04%71.57%70.38%64.97%64.58%62.41%60.52%57.33%-763 bps
Non-Interest Burden1.96%1.92%2.06%1.95%1.95%1.89%2.10%1.91%-4 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 / Loans0.06%0.05%0.10%0.03%0.05%0.07%0.04%0.04%0 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