The Citizens Bank is a bank based in Hickman, Kentucky, established in 1930, with $224 million in total assets across 3 branches. By Trust Grade it ranks 34th of 120 banks we track in Kentucky. Its capital ratio of 11.1% is stronger than 64% of similarly sized banks, versus a Kentucky median of 9.6%. It was profitable over the most recent period, with a 1.49% return on assets. No consumer complaints against The Citizens Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How The Citizens Bank compares to Kentucky peers
How we graded The Citizens Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (11.1% capital ratio)
- Strongly profitable (ROA 1.49%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for The Citizens Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (3)
- 201 Nolan Ave, Fulton, KY 42041
- 1522 Union City Hwy, Hickman, KY 42050
- 1304 W Reelfoot Ave, Union City, TN 38261
Are deposits at The Citizens Bank insured?
Yes. The Citizens Bank is an FDIC-insured bank (FDIC certificate #9306). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
The Citizens Bank: frequently asked questions
Is The Citizens Bank a good bank?
The Citizens Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (11.1% capital ratio); Strongly profitable (ROA 1.49%).
Is The Citizens Bank FDIC-insured?
Yes. The Citizens Bank is a FDIC-insured bank (FDIC certificate #9306). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is The Citizens Bank?
The Citizens Bank holds $224 million in total assets, ranking 34th of 120 banks we track in Kentucky. It operates 3 branches.
Does The Citizens Bank have CFPB complaints?
No CFPB complaints against The Citizens Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
