The Citizens Bank: how it compares with its peers
Against 57 KY banks with half to twice its assets, The Citizens Bank's strongest measure in Q2 2026 is return on assets (2.15% vs. a 1.45% peer median). Its weakest relative measure is assets per employee ($4.6M vs. $5.9M).
| Measure | The Citizens Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.15% | 1.45% | Top third Ahead of 93% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.84% | 4.08% | Top third Ahead of 89% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.30% | 60.58% | Middle third Ahead of 56% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.6M | $5.9M | Bottom third Ahead of 19% of peers |
| Loans to deposits Net loans and leases over total deposits. | 82.83% | 80.17% | Context |
What it means for lending operations
Its efficiency ratio of 59.30% is better than the 60.58% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The First National Bank of Manchester Manchester, KY · $230M
- Bank of Columbia Columbia, KY · $231M
- The Citizens Bank Hickman, KY · $220M
- United Citizens Bank & Trust Company Campbellsburg, KY · $219M
- Citizens Bank & Trust Co. of Jackson Jackson, KY · $217M
- Commercial Bank West Liberty, KY · $216M
Questions about The Citizens Bank
How big is The Citizens Bank?
The Citizens Bank, established in 1928, is headquartered in Morehead, KY. It reported $229M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is The Citizens Bank's return on assets?
2.15% annualized in Q2 2026, against a 1.45% median for 57 KY banks with half to twice its assets, ahead of 93% of them.
What is The Citizens Bank's efficiency ratio?
59.30% in Q2 2026: it spent about 59 cents in noninterest expense for each dollar of revenue. The peer median is 60.58%, and lower is better.
Is The Citizens Bank growing its loans?
Net loans grew 5.8% over the year to Q2 2026, while deposits shrank 0.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kentucky bank ranked.