The Citizens Bank (KY)

Overview / Commentary

www.citizenshickman.com

270-236-2525

1522 Union City Highway
Hickman, KY 42050

The Citizens Bank (KY) is headquartered in Hickman and is the 79^th largest bank in the state of Kentucky. It is also the 3,215^th largest bank in the nation. It was established in 1930 and as of June of 2022, it had grown to 30 employees at 3 locations. The Citizens Bank (KY)'s money market rates are 2X the national average, and it has an A health rating.

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Health

Data as of Q2 2022

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Health Grade Components

Overall
FDIC Certificate #	9306
Year Established	1930
Employees	30
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.4%
Return on Equity - YTD	14.17%
Annual Interest Income	$3.5MM

Assets and Liabilities
Assets	Q2 2022vs Q2 2021	$184.2MM$168.1MM
Loans	Q2 2022vs Q2 2021	$128.0MM$111.0MM
Deposits	Q2 2022vs Q2 2021	$166.2MM$146.5MM
Equity Capital	Q2 2022vs Q2 2021	$16.7MM$20.1MM
Loan Loss Allowance	Q2 2022vs Q2 2021	$2.1MM$1.8MM
Unbacked Noncurrent Loans	Q2 2022vs Q2 2021	$1.3MM$304.00K
Real Estate Owned	Q2 2022vs Q2 2021	$36.00K$85.00K

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.

The Citizens Bank (KY) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.15%	-	-	Savings Account

The Citizens Bank (KY) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
1.05%^*	$250k^*	-	Premium Money Maker Account
OTHER TIERS: 0.75% → Up to $25k \| 0.85% → $25k - $50k \| 0.95% → $50k - $100k \| 1.00% → $100k - $250k
0.50%^*	$2.5k^*	-	Money Maker Account
OTHER TIERS: 0.40% → Up to $2.5k

The Citizens Bank (KY) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%^*	$1.5k^*	$25k	Premium Interest Checking
OTHER TIERS: 0.25% → $25k+
0.40%	$1k	-	NOW Checking Account

The Citizens Bank (KY) CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.17%	$500	-	30 Month CD
2.37%	$500	-	60 Month CD
2.37%	$500	-	60 Month Citizen Choice CD
2.27%	$500	-	36 Month CD
2.25%	$5k	-	36 Month Citizen Choice CD
2.07%	$5k	-	24 Month CD
2.02%	$500	-	18 Month CD
1.91%	$500	-	12 Month CD
1.66%	$50	-	12 Month Dollar for A's CD
0.75%	$2.5k	-	182 Day CD
0.65%	$2.5k	-	91 Day CD

The Citizens Bank (KY) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.37%	-	-	60 Month IRA
2.27%	-	-	36 Month IRA
2.17%	-	-	30 Month IRA
2.02%	-	-	18 Month IRA
1.91%	-	-	12 Month IRA
0.75%	-	-	182 Day IRA
0.65%	-	-	91 Day IRA

Locations

The Citizens Bank (KY) Locations
The Citizens Bank	1522 Union City Hwy	Hickman, KY 42050
Nolan Avenue Branch	201 Nolan Avenue	Fulton, KY 42041

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