BlastPoint's Banking Scorecard
Citizens Bank of Kentucky, Inc.
Community
Specialty: Commercial
KY
FDIC cert 2718
Paintsville, KY
1484
banks in Community tier nationally
34 in KY
View Community leaderboard (KY) →
Citizens Bank of Kentucky, Inc. has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 13.15% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 26.96% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$689.3M
+4.5% YoY
-1.8% QoQ
|
-$702.2M |
$1.4B
+2.0% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
26% |
| Total Loans ? |
$331.8M
+4.4% YoY
+3.5% QoQ
|
-$643.6M |
$975.5M
+2.4% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 7% in tier |
| Total Deposits ? |
$591.4M
+3.1% YoY
-2.6% QoQ
|
-$573.2M |
$1.2B
+1.7% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
27% |
| Return on Assets ? |
0.92%
+13.5% YoY
+4.6% QoQ
|
-0.24% |
1.16%
+17.2% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
33% |
| Net Interest Margin ? |
3.38%
+5.3% YoY
+1.1% QoQ
|
-0.29% |
3.66%
+9.1% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
35% |
| Efficiency Ratio ? |
69.64%
-4.4% YoY
-1.0% QoQ
|
+7.01% |
62.63%
-5.3% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
27% |
| Delinquency Rate ? |
0.73%
-3.4% YoY
-3.6% QoQ
|
+0.11% |
0.63%
+18.3% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
56.11%
+1.3% YoY
+6.2% QoQ
|
-26.96% |
83.06%
+0.3% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
29.12%
+3.3% YoY
+1.1% QoQ
|
+8.08% |
21.05%
-0.9% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
82% |
| Nonperforming Asset Ratio ? |
0.37%
-4.5% YoY
+1.6% QoQ
|
-0.13% |
0.50%
+20.3% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
48% |
| Tier 1 Capital Ratio ? |
23.39%
+0.9% YoY
-0.6% QoQ
|
+13.15% |
10.24%
-0.6% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
Top 3% in tier |
| Non-Interest Income / Assets ? |
0.65%
-13.3% YoY
+38.0% QoQ
|
-0.09% |
0.74%
-1.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
65% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 3%
in Community
Why this stands out
Current:
23.39%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 6%
in Community
Why this stands out
Current:
56.11%
(Tier avg: 83.06%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Tier 1 Capital Ratio
Current: 23.39% · Tier avg: 10.24%
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 29.12% · Tier avg: 21.05%
65
65th pctile
Non-Interest Income / Assets
Current: 0.65% · Tier avg: 0.74%
48
48th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.50%
35
35th pctile
Net Interest Margin
Current: 3.38% · Tier avg: 3.66%
34
34th pctile
Delinquency Rate
Current: 0.73% · Tier avg: 0.63%
33
33th pctile
Return on Assets
Current: 0.92% · Tier avg: 1.16%
27
27th pctile
Efficiency Ratio
Current: 69.64% · Tier avg: 62.63%
27
27th pctile
Total Deposits
Current: $591.4M · Tier avg: $1.2B
26
26th pctile
Total Assets
Current: $689.3M · Tier avg: $1.4B
7
7th pctile
Total Loans
Current: $331.8M · Tier avg: $975.5M
6
6th pctile
Loan-to-Deposit Ratio
Current: 56.11% · Tier avg: 83.06%
Top Weaknesses
6
6th pctile
Loan-to-Deposit Ratio
Current: 56.11% · Tier avg: 83.06%
7
7th pctile
Total Loans
Current: $331.8M · Tier avg: $975.5M
26
26th pctile
Total Assets
Current: $689.3M · Tier avg: $1.4B
27
27th pctile
Total Deposits
Current: $591.4M · Tier avg: $1.2B
27
27th pctile
Efficiency Ratio
Current: 69.64% · Tier avg: 62.63%
33
33th pctile
Return on Assets
Current: 0.92% · Tier avg: 1.16%
34
34th pctile
Delinquency Rate
Current: 0.73% · Tier avg: 0.63%
35
35th pctile
Net Interest Margin
Current: 3.38% · Tier avg: 3.66%
48
48th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.50%
65
65th pctile
Non-Interest Income / Assets
Current: 0.65% · Tier avg: 0.74%
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 29.12% · Tier avg: 21.05%
97
97th pctile
Tier 1 Capital Ratio
Current: 23.39% · Tier avg: 10.24%