# HYDEN CITIZENS BANK
HYDEN, KY · FDIC certificate 281 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (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 | $148.6M | |
| Deposits | $134.8M | |
| Loans and leases | $82.0M | |
| Total equity | $9.9M | |
| Loans / deposits | 60.22% (p30 of band) | 73.59% |
| Liquid assets / assets | 41.81% (p66 of band) | |
| Uninsured deposits / deposits | 18.63% (p46 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.69% (p57 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.18% (p13 of band) | 11.76% |
| Unrealized securities loss / equity | -41.16% (p9 of band) | -6.57% |
| AOCI / equity | -1.80% (p14 of band) | |
| ROA (annualized) | 1.57% (p71 of band) | 1.17% |
| Net interest margin | 4.22% (p65 of band) | 3.93% |
| Efficiency ratio | 66.50% (p52 of band) | |
| Noncurrent loans | 0.54% (p57 of band) | 0.36% |
| Net charge-offs (annualized) | 0.02% (p70 of band) | |
| Reserve coverage of noncurrent | 177.25% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 153.65% (p98 of band) | |
| Auto loans | $650,000 (0.79% of loans; DQ 0.77%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.9% | |
| Employees | 31 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | charge-offs p90 |  |
| 2011-09 | 0 |  | charge-offs p90 |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | capital falling |  |
| 2012-09 | 2 | uninsured deposits leaving | capital falling |
| 2012-12 | 1 |  | uninsured deposits leaving |
| 2013-03 | 0 |  | reserve under noncurrent |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 2 | capital falling |  |
| 2013-12 | 3 | wholesale funding >15%, AOCI drag >20% of equity, deposits shrinking | reserve under noncurrent, capital falling |
| 2014-03 | 2 | uninsured deposits leaving | wholesale funding >15%, AOCI drag >20% of equity |
| 2014-06 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2014-09 | 1 | reserve under noncurrent |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | capital falling |  |
| 2015-12 | 0 |  | reserve under noncurrent, capital falling |
| 2016-03 | 1 | reserve under noncurrent |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | deposits shrinking |  |
| 2017-03 | 3 | charge-offs p90, uninsured deposits leaving | reserve under noncurrent |
| 2017-06 | 0 |  | deposits shrinking, charge-offs p90, uninsured deposits leaving |
| 2017-09 | 1 | uninsured deposits leaving |  |
| 2017-12 | 0 |  | uninsured deposits leaving |
| 2018-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2018-06 | 1 |  | reserve under noncurrent |
| 2018-09 | 0 |  | charge-offs p90 |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 2 | uninsured deposits leaving |  |
| 2021-12 | 0 |  | capital falling, uninsured deposits leaving |
| 2022-03 | 1 | AOCI drag >20% of equity |  |
| 2022-06 | 3 | capital falling, securities losses >30% of equity |  |
| 2022-09 | 3 | construction >100% equity | capital falling |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | AOCI drag >20% of equity |  |
| 2023-12 | 2 |  | AOCI drag >20% of equity |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 3 | capital falling |  |
| 2024-12 | 2 |  | capital falling |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

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

- 2023-11-28 [Bank officials warning about scam letters circulating to some customers - WYMT](https://news.google.com/rss/articles/CBMiowFBVV95cUxPOVI3TFVxRjZvR2ZPc1pFc2ZOd2ZtZGRwYVlVb2VZVUtMRmNoYzAxVTFKWXhITjVXNDVIRld4THBaY0tSUDR5ejZQODdlR09zUlpqSjdCelBMNnI3Y1Q5OWkwRFl2RVA5MFpWWnpqbG5lLWZENWgtbmhCdU9jYzMzc3lvMkhqZGdxdXZQeUs5V0VUUXplQlZuRnRPc2h1Q1h0VXFz?oc=5) · WYMT
- 2012-12-15 [Dr. Steven M. Meader Obituary Dec 15, 2012 - Walker Funeral Home, LLC](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBPblEzVEt6UlBDSS1iNk02XzlUS2NQbzJDcXhSZEdSTmRkOTRvdGlONGNNVGxKRWZ3SkJoRmpWMG9yV19KVzFpREhjYUtucko1ci1ZN1E4QTEwRnJEM0EtRGhSRkNlT0k?oc=5) · Walker Funeral Home, LLC
- 2019-01-05 [Hazard Man Indicted In 2 Bank Robberies - LEX 18 News](https://news.google.com/rss/articles/CBMinAFBVV95cUxQMG9jLTZoaWMxcjhkd0Y0WWpzZ3F1ZlpobnBOLUc1aXV0NVJzTUFxdnlOaVNybmN4eXdrR25iODVlUnhoeWN4aklhV2RIbjlId09CV3NQUTJwc0Z0cS1Bd05pN0p3Vlc2TGYtUjQ2aGRxZkY2eDloNFVxemYyd2tJVnZCLW15VThrVU5KWURxbE9zRjFLZzRKMDlhalY?oc=5) · LEX 18 News
- 2024-07-14 [Community partners prepare for Osborne Brothers’ Hometown Festival - WYMT](https://news.google.com/rss/articles/CBMimgFBVV95cUxNVV80VkxwRmxpaGhwVFBEQWM4RVRFVEFPTndUWjhkbjhLV1RaZ0hmZG1NTDFPWE95Uy0yTHlUakt1c1hxNklzdkJiVlUtSlU5dXc5Um83Vk1nbE5HaHpYcVduNnRWQ1JDV051NFl1N3F6QkZ0NFkxSlpQLUNDdkM5cldWTzNUWVNBWTFJOGJnb1QxXy1wZVRvTVpB0gGuAUFVX3lxTE9vNUlrT1JCaTlnNmFTSzlxaFZOVmliMGhScHFZVmVmSmgwVU8yMjV3MFBYVU5vdHJmNHR0Mld0ZGJEd01JdEFWWmxEU0Rud2p2OTBjaFc5UXliU3MweVZSOV9odXcwYTFiQUtCY2dlcW1NYjRUV25BVDlHNEhNU1RCMVFQNEo4ZDhmaTFKdjh6SGl6N2ZvUXBJS2dkclQxaGZyVUtkUm5RdVNud1pidw?oc=5) · WYMT
- 2016-01-29 [Margaret Campbell Obituary Jan 29, 2016 - Walker Funeral Home, LLC](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE0xbjBIc3VwOEN4WHFnYjB6RThVOXB1UDg0dGtLaThYWDhabmlOTXViQkpBUEsxcFcyREs0SlZmcEpVNmh6Y1hnR0dvRkVJR3VEaFp1QUd3Q041N1BpWmhnOTJfRUpqaWM?oc=5) · Walker Funeral Home, LLC
- 2005-12-11 [Rutheford Campbell Obituary (2005) - Hyden, KY - Lexington Herald-Leader - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxPSkFLbFpmUHVMbzlXa25icTVfemxtZW1OWDJ5aHBIY2ZtYWhYSl9UOFhfNldNcmZBWjRfckVMZWgtalRnNGpjTTZvU1NKMWxkZXgxSTlJY2FqSTJtLVladHlPa0w0V3JaaG9SaEp0a3BnRWkwUkZSdnhmUTh4TFVLOVNUSDE2aDRHaG1TcjRPaW9oWmN6?oc=5) · legacy.com
- 2023-08-02 [2023 Osborne Brothers Hometown Festival set to begin - WYMT](https://news.google.com/rss/articles/CBMiigFBVV95cUxNbnBJMmNlRzRoNGprYzU3M1c2R0tISVpuSjZGRVJUekFJX2NsQ25yeFFqbmQ3S2x1dVBPaDNFbk9oUU9RRTFwQTZQTE9SdHg3T0VudGRiaktVeXJXaU9GZWtadVFmNlhVdndQb3Z4TUVvMlJrX3Zpb0pJemw2N1BDMFBhQmJiV082MWfSAZ4BQVVfeXFMTm5mZzUyM3VJeVhuMy1qLTdTR1VzRWZScHlMTjFTaU4zZzlENEFDQmRxWnZUSWJLMEZIUF9YX1NBSlVZQmIyMHFxVkRRdXg1MVFCcDdyWVZyZUdOUm04RmdDZFBOV29pMHA2U3MxYmhNWklFYWxUVGpkSURNaDdyUjMtMzZ3aUR6SmtKalpTTm00UG1MUU5NMkNSREJRLXc?oc=5) · WYMT
- 2013-02-24 [Randall Jordon Kent Melton Obituary Feb 24, 2013 - Walker Funeral Home, LLC](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBrWTdJRmVsdlJMaHpONnZMUExBbjBSM0s1bDRUMVNnTXE2VmNzVng2RGc5QlR3dGxhd1J4M0JFMmg1UnNsVFJWeHEwYjU1b2thZFdSU3lDODB5NUJULW5wZUViR0gybms?oc=5) · Walker Funeral Home, LLC

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=281 (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/25.json (key "281", 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