Citizens Bank & Trust Company: how it compares with its peers
Against 59 KY banks with half to twice its assets, Citizens Bank & Trust Company's strongest measure in Q2 2026 is assets per employee ($8.3M vs. a $5.9M peer median). Its weakest relative measure is net interest margin (3.13% vs. 3.93%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.24% | 1.29% | Middle third Ahead of 42% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.13% | 3.93% | Bottom third Ahead of 10% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 54.50% | 60.17% | Top third Ahead of 80% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.3M | $5.9M | Top third Ahead of 83% of peers |
| Loans to deposits Net loans and leases over total deposits. | 60.62% | 83.93% | Context |
What it means for lending operations
Its efficiency ratio of 54.50% is better than the 60.17% 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 Grayson Grayson, KY · $372M
- First State Bank Irvington, KY · $402M
- Bank of the Bluegrass and Trust Company Lexington, KY · $407M
- Bank of Lexington, Inc. Lexington, KY · $411M
- United Southern Bank Hopkinsville, KY · $354M
- 1st Trust Bank, Inc. Hazard, KY · $352M
Questions about Citizens Bank & Trust Company
How big is Citizens Bank & Trust Company?
Citizens Bank & Trust Company, established in 1939, is headquartered in Campbellsville, KY. It reported $383M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Citizens Bank & Trust Company's return on assets?
1.24% annualized in Q2 2026, against a 1.29% median for 59 KY banks with half to twice its assets, ahead of 42% of them.
What is Citizens Bank & Trust Company's efficiency ratio?
54.50% in Q2 2026: it spent about 54 cents in noninterest expense for each dollar of revenue. The peer median is 60.17%, and lower is better.
Is Citizens Bank & Trust Company growing its loans?
Net loans grew 6.0% over the year to Q2 2026, while deposits grew 3.8%.
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.