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BankSonar

The Citizens Bank

Hickman, KY · State, non-member commercial bank

65

Sonar Score

Stable

out of 100 · from public FDIC data

Reported March 31, 2026. The Sonar Score is an informational signal from public FDIC data — not a rating or financial advice.

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Key figures

Total assets
$224M
Total deposits
$198.4M
Branches
3
Return on assets
1.49%
Return on equity
13.36%
Charter type
State, non-member commercial bank
Established
1930
FDIC cert #
9306

How the 65 breaks down

Capital adequacyweight 40%

Capital ratio not reported.

Profitability (ROA)weight 30%

Strong returns on its asset base.

Return on equityweight 15%

Efficient use of shareholder capital.

Scale & stabilityweight 15%

Community-scale institution.

Read the full Sonar Score methodology →

Your deposits at The Citizens Bank

The Citizens Bank is an FDIC-insured institution (Cert #9306). 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 →

3 branch locations

201 Nolan Ave

Fulton, KY 42041

1522 Union City Hwy

Hickman, KY 42050

1304 W Reelfoot Ave

Union City, TN 38261

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