Citizens Bank of Kentucky, Inc.: how it compares with its peers
Against 43 KY banks with half to twice its assets, Citizens Bank of Kentucky, Inc.'s strongest measure in Q2 2026 is assets per employee ($5.8M vs. a $6.2M peer median). Its weakest relative measure is efficiency ratio (66.65% vs. 56.70%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.04% | 1.29% | Bottom third Ahead of 26% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.57% | 3.92% | Bottom third Ahead of 33% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 66.65% | 56.70% | Bottom third Ahead of 21% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.8M | $6.2M | Middle third Ahead of 37% of peers |
| Loans to deposits Net loans and leases over total deposits. | 59.82% | 85.18% | Context |
What it means for lending operations
Its efficiency ratio of 66.65% is above the 56.70% 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
- The Citizens National Bank of Somerset Somerset, KY · $701M
- First & Farmers National Bank, Inc. Somerset, KY · $714M
- Peoples Exchange Bank Winchester, KY · $610M
- Hearthside Bank Corporation Middlesboro, KY · $609M
- First United Bank and Trust Company Madisonville, KY · $591M
- First Kentucky Bank, Inc. Mayfield, KY · $586M
Questions about Citizens Bank of Kentucky, Inc.
How big is Citizens Bank of Kentucky, Inc.?
Citizens Bank of Kentucky, Inc., established in 1910, is headquartered in Paintsville, KY. It reported $670M in total assets in its Q2 2026 FDIC call report and operates 12 offices.
What is Citizens Bank of Kentucky, Inc.'s return on assets?
1.04% annualized in Q2 2026, against a 1.29% median for 43 KY banks with half to twice its assets, ahead of 26% of them.
What is Citizens Bank of Kentucky, Inc.'s efficiency ratio?
66.65% in Q2 2026: it spent about 67 cents in noninterest expense for each dollar of revenue. The peer median is 56.70%, and lower is better.
Is Citizens Bank of Kentucky, Inc. growing its loans?
Net loans grew 4.9% over the year to Q2 2026, while deposits shrank 4.6%.
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.