# CITIZENS BANK
MOREHEAD, KY · FDIC certificate 10520 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $228.6M | |
| Deposits | $181.9M | |
| Loans and leases | $152.1M | |
| Total equity | $19.0M | |
| Loans / deposits | 82.83% (p67 of band) | 73.59% |
| Liquid assets / assets | 30.66% (p46 of band) | |
| Uninsured deposits / deposits | 21.89% (p57 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 11.91% (p87 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.72% (p8 of band) | 11.76% |
| Unrealized securities loss / equity | -15.17% (p30 of band) | -6.57% |
| AOCI / equity | -1.68% (p15 of band) | |
| ROA (annualized) | 2.15% (p89 of band) | 1.17% |
| Net interest margin | 4.84% (p87 of band) | 3.93% |
| Efficiency ratio | 59.30% (p34 of band) | |
| Noncurrent loans | 0.06% (p31 of band) | 0.36% |
| Net charge-offs (annualized) | 0.04% (p78 of band) | |
| Reserve coverage of noncurrent | 1595.70% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 26.46% (p61 of band) | |
| Auto loans | $5.7M (3.75% of loans; DQ 1.32%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.7% | |
| Employees | 50 | |

## Flags firing in the latest filing

- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | deposits shrinking |  |
| 2013-09 | 2 | reserve under noncurrent |  |
| 2013-12 | 1 |  | deposits shrinking |
| 2014-03 | 2 | charge-offs p90, uninsured deposits leaving | reserve under noncurrent |
| 2014-06 | 0 |  | charge-offs p90, uninsured deposits leaving |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | reserve under noncurrent |  |
| 2015-09 | 0 |  | reserve under noncurrent |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | reserve under noncurrent |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | reserve under noncurrent |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 1 | charge-offs p90 | capital falling |
| 2018-06 | 0 |  | charge-offs p90 |
| 2018-09 | 1 | uninsured deposits leaving |  |
| 2018-12 | 0 |  | uninsured deposits leaving |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 2 | capital falling, reserve under noncurrent |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 1 |  | capital falling |
| 2020-06 | 0 |  | reserve under noncurrent |
| 2020-09 | 2 | leverage <7%, capital falling |  |
| 2020-12 | 3 | wholesale funding >15% |  |
| 2021-03 | 1 |  | capital falling, wholesale funding >15% |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | capital falling |  |
| 2021-12 | 1 |  | capital falling |
| 2022-03 | 1 |  |  |
| 2022-06 | 4 | AOCI drag >20% of equity, securities losses >30% of equity, assets shrinking |  |
| 2022-09 | 3 |  | leverage <7% |
| 2022-12 | 4 | uninsured deposits leaving |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity, assets shrinking |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | deposits shrinking |  |
| 2023-12 | 2 |  | deposits shrinking |
| 2024-03 | 1 |  | uninsured deposits leaving |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | wholesale funding >15% |  |
| 2026-03 | 0 |  | wholesale funding >15% |
| 2026-06 | 1 | uninsured deposits leaving |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-09 [Citizens Bank Bonuses And Promotions: Earn Up To $400 - Forbes](https://news.google.com/rss/articles/CBMiekFVX3lxTE5RbE5IbnVlWEl1eVl6WWx2Y3lIalhvazZvMzNMcUF2V2ZlNTJrbG14Q0djUGxFWEFJWGZMTEJockNlMHJqMWF3TzFVemtxeVdrZW9qdkZ1bVZud0tOZXJlRlQyREZUc2o4UnVIVDBISnhBNVQ2NWJycVpn?oc=5) · Forbes
- 2026-04-27 [Ohio’s Peoples Bank to expand in Kentucky - Banking Dive](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPM3ZFNWp5b1RhcFVOOHVUTWdDczFXaEt6RXFzbDJqaTlHTVluMUNJb21MMUd5bWVPbFRyOVE2akVVdmtnOEw1aTRHb3JhZGJoUElXbURDT1hxcVR1VnBKcmF6UEN0MUpaQkJoeWV4NEh5ejBCVEZ2YUl6WkFQMGVjUHEyZ1ljZnoz?oc=5) · Banking Dive
- 2026-03-03 [Roberta Cox promoted to president of Citizens Bank | Central Kentucky News Journal - pmg-ky2.com](https://news.google.com/rss/articles/CBMiyAFBVV95cUxOTHk3VlBqY2tSUFFEZTZvMF9kT1p6MHBOUFpzV0VCTmVTb0xDUmp5VHgzSkt4MGhjaGhtVVdKdlkwRUIwMWNYX0hMSHJqUGR0VWppRkRWMFZMbDBtNGhBSE5IWi1PVGMwTEM4UDJZSFBxcHhvNzY5YlFIUE1ycFFsQWRHemZVWDIxdFlrdTE0SlMxclJNdTdva3JsSGFLUEZhbXFUdlJGSE12bXFCdDhkSHlzT1FtcURJZTFzMUxROU05RGswVzJaMg?oc=5) · pmg-ky2.com
- 2026-04-23 [Peoples Bancorp: $76.6 Million Acquisition Of Citizens National Expands Kentucky Footprint - Pulse 2.0](https://news.google.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?oc=5) · Pulse 2.0
- 2026-04-22 [Peoples Bancorp to acquire Citizens National Corp. for $76.6M - Louisville Business First - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxNaG1UakZsVjlUcW43aXNQdFNIMll5bVFSV2V4eFA0ZzJJZEdSVGlPZkJfUFVGS01MRlZUWVlRTWxyZVlrLU5lajJsWHZyaElfNzR0M2ZlcVZ1akxJYU56MmNCYnM0ejhXSERXUkpZY2JpcW5uN2JvaXRZcGtkN3RIeWI0eUpOalV3SWd1MzAtbTRreldMcTM4a1dMMGQ3b2dSZjZLbVhvUkUya1JM?oc=5) · The Business Journals
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2025-12-04 [Citizens Bank of Kentucky announces Mark Sulski as VP/Bluegrass Market President for Clark County and the Central Kentucky region - The Lane Report](https://news.google.com/rss/articles/CBMiggJBVV95cUxPRHJfZnVWTmtjNzZnVmJVbGo0Z1h3RVJYRG9pU21UdGtRU21pSklQaThMMUZrMEUxUTI1QmFzYTZOZmJfUVcxRnlEbWl0OUFoUFlKdE5JdTZmVklCcnlUcG9DVkp2eUN4Tl9TNGFoTHhsM2Q3R190UVJ5RDRPems0cVNqd1lWNEZRLXJjUDhwSVlKRU1Ja0REbWNIUVFSbGNUa19kRE56YjladDFoRVVOTDRCU2Y0dld3amZERmljVkphNFV5SkU5WWJGY29HX1JYSWN0a2t2OFFFRVM4bDVyaTVRZ3J3VW84bnRRcExjbE41VFBLbkNBMFhnRWpicVQyeHc?oc=5) · The Lane Report
- 2026-05-29 [As Peoples Bancorp Tries Buy and Dump in Kentucky Fair Finance Watch Writes to Warsh - Inner City Press](https://news.google.com/rss/articles/CBMid0FVX3lxTE5mc01HdzB1ZklnOGU1TXRWY3FNdzhHUFJKTHhiT01URmRsQUdJcG84MTltdTdocUdZV2h5dEVPb19BdS1lRnNadU12Ym43R2thZlVIaFliUnBzNDAwVEotNzVhcVR3bFlzVlFudDNmMHNjSGpQSU80?oc=5) · Inner City Press

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10520 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/24.json (key "10520", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide