🏦Bank Scorer

THE CITIZENS BANK

MOREHEAD, KY · Supervised by FDIC

Est. 1928FDIC #10,520RSSD: FDIC-10520
Part ofCITIZENS BCORP MOREHEAD INC→ View all charters
Satisfactory Same

Current rating · Exam: April 2021

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.19%

Institution Profile

FDIC BankFind

Address

114 W Main St, MOREHEAD, KY

County

Rowan County

Established

September 28, 1928

Total Assets

$228M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

April 1, 2021

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 5 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$228M

Total Deposits

$179M

Net Loans

$147M

Net Income

$1M

ROA

2.19%

ROE

27.09%

Risk-Based Capital

17.58%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

5

Branch Deposits

$183M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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