C
The Citizens Bank
Hickman,  KY
Rating Date
August 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings The Citizens Bank
Hickman, KY
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Rating C
Asset Quality Index 8.40
Capitalization Index 10.00
Liquidity Index 1.10
Profitability Index 6.40
Stability Index 4.30
Company Info The Citizens Bank
Hickman, KY
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FDIC Number 9306
Phone Number (270) 236-2525
Website www.citizenshickman.com
Asset Quality The Citizens Bank
Hickman, KY
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1-Year Asset Growth 2.78%
5-Year Asset Growth 7.42%
5-Year Charge-Offs to Average Loans 0.05%
Charge-Offs to Average Loans 0.04%
Non-Performing Assets to Assets 0.01%
Non-Performing Loans to Capital 1.92%
Non-Performing Loans to Loans 0.01%
Balance Sheet The Citizens Bank
Hickman, KY
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Total Assets 220.39M
Total Deposits 193.70M
Capital and Reserves The Citizens Bank
Hickman, KY
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Capital 25.46M
Leverage Ratio 12.67
Loan Loss Reserves to Loans 1.02%
Risk-Based Capital Ratio --
Liquidity The Citizens Bank
Hickman, KY
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Hot Money Ratio 24.53%
Liquidity Ratio 4.48%
Profitability The Citizens Bank
Hickman, KY
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5-Year Return on Average Assets 1.31%
Net Income 1.92M
Net Interest Spread 3.99%
Operating Profit to Average Assets 1.73%
Overhead Efficiency Ratio 58.34%
Return on Assets 1.73%
Return on Equity 15.37%