Citizens Bank of Kentucky is headquartered in Paintsville and is the 22nd largest bank in the state of Kentucky. It is also the 1,174th largest bank in the nation. It was established in 1910 and as of March of 2020, it had grown to 145 employees at 12 locations. Citizens Bank of Kentucky has an A health rating.
Citizens Bank of Kentucky usually seems to swoop in and take over other banks in mergers and such, and have formed a decent selection of branches throughout Eastern KY as far as Winchester KY. Fees are about par for the course, not as good as a Credit Union of course. If you bank with them in KY, you can find an ATM with fees Nationwide, or a good selection of local ATM's. A Visa card with a Chip is included with your account and can be used Nationwide for free to pay bills. I don't know about getting cash back at the register as I do not want to chance a fee. Who carries cash anyway?
They have a weird thing of running charges from the largest to the smallest, which can result in overdraft fees if you haven't opted out, even though they aren't running the charges in terms of when they arrived. Its purpose built to charge more for a pack of gum than to cover the last 10 dollars for your car payment.
|FDIC Certificate #||2718|
|Return on Assets - YTD||0.75%|
|Return on Equity - YTD||5.44%|
|Annual Interest Income||$6.1MM|
|Assets and Liabilities|
|Assets||Q1 2020vs Q1 2019||$658.6MM$607.9MM|
|Loans||Q1 2020vs Q1 2019||$392.8MM$393.2MM|
|Deposits||Q1 2020vs Q1 2019||$546.4MM$498.2MM|
|Equity Capital||Q1 2020vs Q1 2019||$91.9MM$84.7MM|
|Loan Loss Allowance||Q1 2020vs Q1 2019||$3.9MM$3.5MM|
|Unbacked Noncurrent Loans||Q1 2020vs Q1 2019||$5.0MM$3.2MM|
|Real Estate Owned||Q1 2020vs Q1 2019||$1.6MM$421.00K|
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