The Citizens Bank is a bank based in Morehead, Kentucky, established in 1928, with $228 million in total assets across 5 branches. By Trust Grade it ranks 77th of 120 banks we track in Kentucky. Its capital ratio of 8.4% trails most similarly sized banks (20th percentile), versus a Kentucky median of 9.6%. It was profitable over the most recent period, with a 2.19% 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 →
- Well-capitalized (8.4% capital ratio)
- Strongly profitable (ROA 2.19%)
- No CFPB complaints on record
The Trust Grade is Bankzia’s independent, documented opinion computed from public FDIC/NCUA/CFPB data — not an official rating, and not a statement about the safety of insured deposits. Report a data error or dispute this grade →
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 (5)
- 22 E Main Street, Owingsville, KY 40360
- 216 Trademore Shopping Ctr, Morehead, KY 40351
- 335 Prestonsburg St, West Liberty, KY 41472
- 648 Main St, Sharpsburg, KY 40374
- 114 W Main St, Morehead, KY 40351
Are deposits at The Citizens Bank insured?
Yes. The Citizens Bank is an FDIC-insured bank (FDIC certificate #10520). 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 (92/100, "Excellent"), based on a financial-strength score of 92/100 (it has no CFPB complaints on record). Well-capitalized (8.4% capital ratio); Strongly profitable (ROA 2.19%).
Is The Citizens Bank FDIC-insured?
Yes. The Citizens Bank is a FDIC-insured bank (FDIC certificate #10520). 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 $228 million in total assets, ranking 77th of 120 banks we track in Kentucky. It operates 5 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.
