Citizens Bank (KY)

Overview / Commentary

www.citizensbankrb.com

606-256-2500

411 New Brodhead Road
Mount Vernon, KY 40456

Citizens Bank (KY) is headquartered in Mount Vernon and is the 89^th largest bank in the state of Kentucky. It is also the 3,424^th largest bank in the nation. It was established in 1904 and as of June of 2019, it had grown to 43 employees at 4 locations. Citizens Bank (KY) has a B health rating.

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Health

Data as of Q2 2019

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Health Grade Components

Overall
FDIC Certificate #	262
Year Established	1904
Employees	43
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.85%
Return on Equity - YTD	7.87%
Annual Interest Income	$3.4MM

Assets and Liabilities
Assets	Q2 2019vs Q2 2018	$145.0MM$140.1MM
Loans	Q2 2019vs Q2 2018	$116.5MM$108.7MM
Deposits	Q2 2019vs Q2 2018	$117.3MM$120.0MM
Equity Capital	Q2 2019vs Q2 2018	$15.7MM$15.3MM
Loan Loss Allowance	Q2 2019vs Q2 2018	$1.0MM$1.1MM
Unbacked Noncurrent Loans	Q2 2019vs Q2 2018	$2.0MM$2.7MM
Real Estate Owned	Q2 2019vs Q2 2018	$946.00K$296.00K

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Citizens Bank (KY) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%	$100	-	Passbook Savings Account
0.25%	$5	-	Education Pays Savings

Citizens Bank (KY) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%^*	$25k^*	-	Access Plus Account
OTHER TIERS: 0.10% → $2.5k - $10k \| 0.15% → $10k - $25k

Citizens Bank (KY) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.15%	$2.5k	-	Super NOW Account
0.10%	$500	-	Golden 55 Club Checking Account
0.10%	$1k	-	Now Account

Citizens Bank (KY) CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.16%	$1k	-	60 Month CD
0.80%	$1k	-	48 Month CD
0.55%	$1k	-	36 Month CD
0.45%	$1k	-	30 Month CD
0.40%	$1k	-	24 Month CD
0.30%	$1k	-	18 Month CD
0.25%	$1k	-	12 Month CD
0.15%	$1k	-	6 Month CD
0.10%	$1k	-	91 Day CD
0.05%	$1k	-	31 Day CD

Citizens Bank (KY) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.15%	$100	-	60 Month IRA
0.80%	$100	-	48 Month IRA
0.55%	$100	-	36 Month IRA
0.45%	$100	-	30 Month IRA
0.40%	$100	-	24 Month IRA
0.30%	$100	-	18 Month IRA
0.25%	$100	-	12 Month IRA
0.15%	$100	-	6 Month IRA

Locations

Citizens Bank (KY) Locations
Somerset Branch	1850 South Highway 27	Somerset, KY 42501
Mckee Branch	166 Highway 421	Mc Kee, KY 40447
Citizens Bank	411 New Brodhead Road	Mount Vernon, KY 40456
Brodhead Branch	53 South Main Street	Brodhead, KY 40409

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