Citizens Bank & Trust Co. of Jackson: how it compares with its peers
Against 55 KY banks with half to twice its assets, Citizens Bank & Trust Co. of Jackson's strongest measure in Q2 2026 is net interest margin (4.44% vs. a 4.08% peer median). Its weakest relative measure is efficiency ratio (77.76% vs. 59.55%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.02% | 1.46% | Bottom third Ahead of 29% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.44% | 4.08% | Top third Ahead of 73% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 77.76% | 59.55% | Bottom third Ahead of 5% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.8M | $5.9M | Bottom third Ahead of 29% of peers |
| Loans to deposits Net loans and leases over total deposits. | 84.11% | 79.88% | Context |
What it means for lending operations
Its efficiency ratio of 77.76% is above the 59.55% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Commercial Bank West Liberty, KY · $216M
- United Citizens Bank & Trust Company Campbellsburg, KY · $219M
- The Citizens Bank Hickman, KY · $220M
- Century Bank of Kentucky, Inc. Lawrenceburg, KY · $208M
- First & Peoples Bank and Trust Company Russell, KY · $207M
- The Citizens Bank Morehead, KY · $229M
Questions about Citizens Bank & Trust Co. of Jackson
How big is Citizens Bank & Trust Co. of Jackson?
Citizens Bank & Trust Co. of Jackson, established in 1962, is headquartered in Jackson, KY. It reported $217M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Citizens Bank & Trust Co. of Jackson's return on assets?
1.02% annualized in Q2 2026, against a 1.46% median for 55 KY banks with half to twice its assets, ahead of 29% of them.
What is Citizens Bank & Trust Co. of Jackson's efficiency ratio?
77.76% in Q2 2026: it spent about 78 cents in noninterest expense for each dollar of revenue. The peer median is 59.55%, and lower is better.
Is Citizens Bank & Trust Co. of Jackson growing its loans?
Net loans grew 1.6% over the year to Q2 2026, while deposits shrank 0.2%.
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.