# CITIZENS COMMERCE BANK
VERSAILLES, KY · FDIC certificate 34256 · asset band $300M-1B · latest filing 2022-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $336.1M | |
| Deposits | $302.3M | |
| Loans and leases | $266.8M | |
| Total equity | $32.1M | |
| Loans / deposits | 87.22% (p71 of band) | 75.42% |
| Liquid assets / assets | 18.04% (p23 of band) | |
| Uninsured deposits / deposits | 18.10% (p16 of band) | 27.65% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.28% (p26 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.48% (p59 of band) | 10.04% |
| Unrealized securities loss / equity | -12.12% (p70 of band) | -24.06% |
| AOCI / equity | -10.01% (p66 of band) | |
| ROA (annualized) | 1.01% (p42 of band) | 1.09% |
| Net interest margin | 3.51% (p56 of band) | 3.42% |
| Efficiency ratio | 64.41% (p53 of band) | |
| Noncurrent loans | 0.76% (p82 of band) | 0.22% |
| Net charge-offs (annualized) | -0.06% (p5 of band) | |
| Reserve coverage of noncurrent | 156.31% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 30.72% (p32 of band) | |
| Auto loans | $595,000 (0.22% of loans; DQ 2.02%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 9.6% | |
| Employees | 61 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 8 | leverage <7%, leverage <5%, losing money, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 9 | expense ratio p90 |  |
| 2011-09 | 9 |  |  |
| 2011-12 | 9 |  |  |
| 2012-03 | 10 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money, charge-offs p90 |
| 2012-06 | 9 |  | construction >100% equity |
| 2012-09 | 10 | wholesale funding >15% |  |
| 2012-12 | 8 |  | uninsured deposits leaving, wholesale funding >15% |
| 2013-03 | 8 |  |  |
| 2013-06 | 11 | AOCI drag >20% of equity, securities losses >30% of equity, construction >100% equity |  |
| 2013-09 | 11 |  |  |
| 2013-12 | 8 |  | leverage <5%, deposits shrinking |
| 2014-03 | 6 | losing money | assets shrinking, AOCI drag >20% of equity, construction >100% equity |
| 2014-06 | 5 | capital falling | securities losses >30% of equity, losing money |
| 2014-09 | 5 |  |  |
| 2014-12 | 5 |  |  |
| 2015-03 | 3 |  | expense ratio p90, capital falling |
| 2015-06 | 4 | expense ratio p90 |  |
| 2015-09 | 4 |  |  |
| 2015-12 | 3 |  | noncurrent p90 |
| 2016-03 | 3 | noncurrent p90 | expense ratio p90 |
| 2016-06 | 3 |  |  |
| 2016-09 | 4 | expense ratio p90 |  |
| 2016-12 | 3 |  | expense ratio p90 |
| 2017-03 | 3 | expense ratio p90 | leverage <7% |
| 2017-06 | 2 |  | expense ratio p90 |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 1 |  | noncurrent p90 |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | reserve under noncurrent |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 1 | reserve under noncurrent | capital falling |
| 2019-09 | 0 |  | reserve under noncurrent |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |

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

- 2022-10-18 [City Holding Company Announces Acquisition Strengthening Kentucky Presence - Business Wire](https://news.google.com/rss/articles/CBMiywFBVV95cUxNNy1mUWsyTUlOSUlpekxZQS1NcXlkTVQ2R3BBRnZPZ1dVU3Q2UFktM1YwLXlNSC1vYXNudmpNSlBlRGp4REozRzBZRl9DVkFnT0cwcmRST3RTS3ZUT1hGdUphSmItY0xsZk00Skt6UWRLaEtrSVBzWm0xcFhuNGtuN1Z2UndQcWpMdEw1UmM3VFhEWVBnRUJXSHhucGlSRWRaU2tIY3c1NDA3REVkeFdVeW9WYVdITlIzZTlJV0lUMFdUVmhBQ2cySHZxZw?oc=5) · Business Wire
- 2022-10-20 [City National acquires central Kentucky bank - herald-dispatch.com](https://news.google.com/rss/articles/CBMi0AFBVV95cUxPVFlIeEtFc0dHVnFxbmZiZFNOTU9JQU1vemZlb285VHk2VlpsVVA3d05lMzk4aVJnOUtWZ0lmV1BXVVZIWUIzdDR5WGhVbVhnQ3NWTFZQNFdiTHlWdHU1dmpvVUI3U1VZMllFNDFtdUMxTnY2UzREd1paNkJXS0E1bkRsQllqekZveHd0b1RVQ2RVTzEzT3VxLXV1TWhxMTF5ek1fTDFxeGVDLUg4YWpoSVJEUVdWaU85MEREYzE5b1dqVDNmRWh3bWdtRTM5WUNH?oc=5) · herald-dispatch.com
- 2023-03-12 [City Holding Company Completes Citizens Commerce Bancshares Acquisition - citybiz.co](https://news.google.com/rss/articles/CBMirwFBVV95cUxPaXl4eHlKclkzaGFZQlkzNDJ2bDc5MzFkeFRINGNEcG5nVkxPVy14ZHVXYXVGU0NVWHNiTnV0REZ4bWswTDNMOE9mbHpIXzNHUWxaelViajVtN1JaVnpTVWpOVUNkaUU2ZEhxN2FfLXp2eGQ1a3hxTlpvaUFJbkpIcnU5NmRQSklqVDZBTlhVU0s0UzkweFNfTU5lS01yVzM1ZmliM3d2eENDM1V0SVRv?oc=5) · citybiz.co
- 2024-04-04 [America’s Best Banks 2024 - Forbes](https://news.google.com/rss/articles/CBMiggFBVV95cUxPTlNlTVZoSGswcGZSaVV0Sm1vWUF0Uk02bU42bXdCWk9sQ29hM0daSDRoZ1V4Q09WNHNTY0tUY2ppQzRjLVl0dzlHQVhRd3JGWWhrSlRlcWx3LUp4ckRPMEhSNnVuWjdJVUxqWnkyaUMxOG1pSjlxbnhVaWQ3THFYTVJn?oc=5) · Forbes
- 2021-02-13 [Frankfort Area Chamber of Commerce welcomes new board - State-Journal](https://news.google.com/rss/articles/CBMilgFBVV95cUxPNlZDcWhzRWZhdGZqUDFhT3k4ZTlLZzN1QjZoYkRYa0hPLWZUd1JTWFhWaHc0NjZLRkJOMF9nS2d3RUtob0EzbG1pNHpka25wMV9MTjFHMDBWekhBVm5RLUd5Q0V1OHVvNUNPTThCSFR1OTR4REJpLUQwblowTEROS2NhZVMwdEdzZ0p0engyMGRkWEhWaWc?oc=5) · State-Journal
- 2018-07-20 [Ruggles Sign Crafts Custom Signage for Companies Large and Small - smileypete.com](https://news.google.com/rss/articles/CBMiWEFVX3lxTE5DUUZoQmhfSXhVQ1pYNFd3eGNmVGpUcjVfNWJBb3RsVVlRMkc4UFQ0eVRlY2Z4Z3F4WEJwcGVWTFM2UHhLdVE0R3M4bDZIcjgtMEsyWTRCYUE?oc=5) · smileypete.com
- 2020-11-04 [Limestone Bank Appoints New Market President - Business Wire](https://news.google.com/rss/articles/CBMiowFBVV95cUxOOE5nM2djRzdDbWV3eXY4bGt5RnNENUJ5ZDg1VGU3VXFhSjI0Q0Y3TzZDcDFwdXB2Nmt2X1hXVHlxUkRfb05CUzRBUTVCRUZjVTcwRkhvbWFJV1dWbmVWWS1Xc0k4cUtGVTlaTkdvTDJFMXpHbHBxbG95SzRLVWtTVTBiNHZzeExGcElkVDBDbl9NUjNWMDdJOUo4ZHpKckNaa0lz?oc=5) · Business Wire
- 2018-03-13 [Family asks for answers after deadly interstate crash - WKYT](https://news.google.com/rss/articles/CBMickFVX3lxTE85UmtmMTR3akh2VEN2M3ozV3ZfejFTTUlMOUtZbnR0QzhSRWV3Y2dpQUtaU2JTeUtKcEMwM0U4VW83MThWMmFvQ1BDdDA3SWstNmtWQzl4YTJkajVFTHFzaF96eWZpSVN4eU9aakp3WUdtZw?oc=5) · WKYT

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34256 (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/16.json (key "34256", 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