Bank · FDIC insured
The Citizens Bank
A $228.6M bank headquartered in Morehead, KY, with 5 branches in Kentucky. Best rates: CDs 3.79% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Savings: rates are not published online. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—3.79%CD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About The Citizens Bank
The Citizens Bank is a locally owned financial institution organized in Morehead, Kentucky in 1928.
After expanding its Morehead Main Street office in 1991, the bank opened branches in Morgan County in 2002 and Bath County in 2003.
- Headquarters
- 114 W Main St, Morehead, KY 40351
- FDIC certificate
- 10520 ↗
Branches
5 branches in Kentucky
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Kentucky
5 branches
Morehead area · 2
- The Citizens BankMain office114 W Main St, Morehead, KY 40351Directions
- Trademore Branch216 Trademore Shopping Ctr, Morehead, KY 40351Directions
Owingsville area · 1
- Main Street Branch22 E Main Street, Owingsville, KY 40360Directions
Sharpsburg area · 1
- Citizens Bank Branch648 Main St, Sharpsburg, KY 40374Directions
West Liberty area · 1
- West Liberty Branch335 Prestonsburg St, West Liberty, KY 41472Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 8.72% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.06% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 2.15% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $84 | $81 | — |
- CapitalLeverage ratio8.72%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.06%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets2.15%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$84Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of The Citizens Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.