CITIZENS BANK
MOREHEAD, KENTUCKY · FDIC Cert #10520
Capital & Safety Analysis
According to FDIC financial data, CITIZENS BANK holds a Tier 1 capital ratio of 14.28%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning CITIZENS BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
CITIZENS BANK shows strong financial health indicators. With $204M in assets and a Health Score of 95/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
CITIZENS BANK has a Bank Health Score of A (95/100). It holds a Tier 1 capital ratio of 14.28%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
CITIZENS BANK holds $204M in total assets and $178M in total deposits. It is located in MOREHEAD, KENTUCKY (FDIC Certificate #10520).
CITIZENS BANK has a Tier 1 capital ratio of 14.28%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.07%, and the return on assets is 1.43%.
Yes. CITIZENS BANK is FDIC-insured (Certificate #10520). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.