Citizens Bk Cumberland Cnty
Burkesville, Kentucky · FDIC Cert #35442
Citizens Bk Cumberland Cnty is an FDIC-insured bank (Certificate #35442) with $93M in total assets and $80M in total deposits as of the Q2 2024 Call Report. Headquartered in Burkesville, Kentucky, the bank maintains a Tier 1 capital ratio of 0.00% (Critically Undercapitalized) and a nonperforming loan ratio of 0.99%. BankHealthData assigns a composite Health Grade of C (52/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Citizens Bk Cumberland Cnty (FDIC cert 35442) is a community bank — $93M in total assets, $80M in deposits, serving the Burkesville, Kentucky area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Tier 1 capital ratio is not disclosed in the most recent Call Report — unusual but possible for new institutions or those filing under specific regulatory exemptions. Asset quality is normal: non-performing loan ratio of 0.99% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 22.6% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is strong: return on assets of 2.01% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Citizens Bk Cumberland Cnty carries a composite BankHealth grade of C (52/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Citizens Bk Cumberland Cnty
- Total Assets
- $93M
- Total Deposits
- $80M
- Tier 1 Capital Ratio
- 0.00%
- Capital Status
- Critically Undercapitalized
- Nonperforming Loans
- 0.99%
- Liquidity Ratio
- 22.64%
- Return on Assets
- 2.01%
- Headquarters
- Burkesville, Kentucky
- FDIC Certificate
- #35442
- Health Grade
- C (52/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Citizens Bk Cumberland Cnty holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject Citizens Bk Cumberland Cnty to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
Citizens Bk Cumberland Cnty shows average financial health. While not alarming, its Health Score of 52/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
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.
How Citizens Bk Cumberland Cnty Compares
Citizens Bk Cumberland Cnty’s Health Score of 52 is 20 points below the Kentucky state average of 72 across 103 FDIC-insured banks. Its 0.00% Tier 1 capital ratio is 14.0 points below the US banking industry average near 14%. The 0.99% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 2.01% is in line with or above the national ROA benchmark of ~1.1%. Among 1034 similarly-sized banks, the average Health Score is 68, meaning this bank ranks below its size cohort. Site-wide, Citizens Bk Cumberland Cnty is 18 points below the portfolio average of 70.
Frequently Asked Questions
Citizens Bk Cumberland Cnty has a Bank Health Score of C (52/100), placing it in average financial health. It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Citizens Bk Cumberland Cnty's Tier 1 capital ratio of 0.00% and nonperforming loan ratio of 0.99% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Citizens Bk Cumberland Cnty is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #35442). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Citizens Bk Cumberland Cnty holds $93M in total assets and $80M in total deposits. It is headquartered in Burkesville, Kentucky (FDIC Certificate #35442).
Citizens Bk Cumberland Cnty has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.99%, and the return on assets is 2.01%.
Yes. Citizens Bk Cumberland Cnty is FDIC-insured (Certificate #35442). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Citizens Bk Cumberland Cnty's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.