The Citizens Bank
Morehead, KY · State, non-member commercial bank
Sonar Score
Strong
out of 100 · from public FDIC data
Reported June 30, 2026. The Sonar Score is an informational signal from public FDIC data — not a rating or financial advice.
Key figures
- Total assets
- $228.6M
- Total deposits
- $181.9M
- Branches
- 5
- Return on assets
- 2.15%
- Return on equity
- 26.33%
- Charter type
- State, non-member commercial bank
- Established
- 1928
- FDIC cert #
- 10520
How the 87 breaks down
Well-capitalized by regulatory thresholds.
Strong returns on its asset base.
Efficient use of shareholder capital.
Community-scale institution.
Your deposits at The Citizens Bank
The Citizens Bank is an FDIC-insured institution (Cert #10520). Deposits are insured up to $250,000 per depositor, per ownership category, by the full faith and credit of the US government. Learn how to maximize your coverage →
5 branch locations
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
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