Total Assets
$669.9M
Total Deposits
$571.0M
Branches
12
Established
1910
Citizens Bank of Kentucky, Inc. is a bank headquartered in Paintsville, Kentucky, established in 1910. It holds $669.9M in total assets across 12 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Citizens Bank of Kentucky, Inc. earns a TFS Financial Health Grade of B- (74.3/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
74.3 / 100
Good financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Citizens Bank of Kentucky, Inc.HQ | 620 Broadway St | Paintsville | KY | 11 |
| Citizens Bank of Kentucky, Inc. | 6474 Kentucky 1428 | Allen | KY | 11 |
| Citizens Bank of Kentucky, Inc. | 735 Central Ave | Ashland | KY | 11 |
| Citizens Bank of Kentucky, Inc. | 167 S Carol Malone Blvd | Grayson | KY | 11 |
| Citizens Bank of Kentucky, Inc. | 3651 Highway 2565 | Louisa | KY | 11 |
| Citizens Bank of Kentucky, Inc. | 9674 Kentucky 122 | Mc Dowell | KY | 11 |
| Citizens Bank of Kentucky, Inc. | 333 Kentucky 321 | Paintsville | KY | 11 |
| Citizens Bank of Kentucky, Inc. | 4367 N Mayo Trl | Pikeville | KY | 11 |
| Citizens Bank of Kentucky, Inc. | 247 Hambley Blvd | Pikeville | KY | 11 |
| Citizens Bank of Kentucky, Inc. | 50 Franklin Cor | Prestonsburg | KY | 11 |
| Citizens Bank of Kentucky, Inc. | Route 114 East Mountain Parkway | Salyersville | KY | 11 |
| Citizens Bank of Kentucky, Inc. | 695 Bullion Blvd | Winchester | KY | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
74.3
Tier 1 capital ratio
13.51%
Return on assets
1.04%
Non-performing loans
0.85%
Efficiency ratio
66.65%
Asset growth (YoY)
-2.89%
Suggested direct comparisons
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.