Citizens Deposit Bank of Arlington, Inc.: how it compares with its peers
Against 60 KY banks with half to twice its assets, Citizens Deposit Bank of Arlington, Inc.'s strongest measure in Q2 2026 is efficiency ratio (56.08% vs. a 59.86% peer median). Its weakest relative measure is net interest margin (3.63% vs. 3.96%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.60% | 1.28% | Top third Ahead of 72% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.63% | 3.96% | Bottom third Ahead of 32% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 56.08% | 59.86% | Top third Ahead of 73% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.2M | $5.9M | Middle third Ahead of 53% of peers |
| Loans to deposits Net loans and leases over total deposits. | 85.07% | 83.52% | Context |
What it means for lending operations
Its efficiency ratio of 56.08% is better than the 59.86% 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
- 1st Trust Bank, Inc. Hazard, KY · $352M
- United Southern Bank Hopkinsville, KY · $354M
- Kentucky Farmers Bank Corporation Catlettsburg, KY · $328M
- The First National Bank of Grayson Grayson, KY · $372M
- Citizens Bank & Trust Company Campbellsville, KY · $383M
- The Farmers Bank of Milton Milton, KY · $305M
Questions about Citizens Deposit Bank of Arlington, Inc.
How big is Citizens Deposit Bank of Arlington, Inc.?
Citizens Deposit Bank of Arlington, Inc., established in 1949, is headquartered in Arlington, KY. It reported $348M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Citizens Deposit Bank of Arlington, Inc.'s return on assets?
1.60% annualized in Q2 2026, against a 1.28% median for 60 KY banks with half to twice its assets, ahead of 72% of them.
What is Citizens Deposit Bank of Arlington, Inc.'s efficiency ratio?
56.08% in Q2 2026: it spent about 56 cents in noninterest expense for each dollar of revenue. The peer median is 59.86%, and lower is better.
Is Citizens Deposit Bank of Arlington, Inc. growing its loans?
Net loans grew 7.4% over the year to Q2 2026, while deposits grew 8.7%.
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.