Is Citizens Bank of Ky INC Safe?
Citizens Bank of Ky INC has a Bank Health Score of 93/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (53/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 22.23% | 100/100 |
| Nonperforming Loan Ratio | 0.42% | 92/100 |
| Liquidity Ratio | 41.91% | 100/100 |
| Return on Assets | 0.84% | 53/100 |
| Total Assets | $0.7B | |
How does Citizens Bank of Ky INC compare?
With a Bank Health Score of 93/100, Citizens Bank of Ky INC sits 23.0 points above the national average of 70/100 for FDIC-insured banks. Within Kentucky, where 103 FDIC-insured banks are headquartered, Citizens Bank of Ky INC ranks above the state average of 72/100 (Grade B).
The bank's Tier 1 capital ratio of 22.23% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.42% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Citizens Bank of Ky INC's Bank Health Score held roughly steady at 93/100. Tier 1 capital weakened by 0.64 percentage points to 22.23%.
Citizens Bank of Ky INC has a Bank Health Score of 93/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (53/100).