Our records indicate that this bank has been acquired by
Peoples Bank.
Citizens Deposit Bank & Trust is an FDIC insured institution headquartered at
10 Second St, Vanceburg, KY 41179.
It was founded in
1930 and has approximately $1 billion in assets. Customers can open an account at one of its 14 branches.
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Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .
Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .
Overview 2026
General Bank Information
FDIC Insured
Yes
FDIC Certificate
# 12165
Date Established
1930
Assets
$ 654.26 million
Loans
$ 305.49 million
Deposits
$ 559.62 million
Capital
$ 59.05 million
Summary Balance Sheet as of September 30, 2025
ASSETS
Cash & Balances due from depository institutions
$ 16.04 million
Interest-bearing balances
$ 7.79 million
Total securities
$ 295.53 million
Federal funds sold and reverse repurchase
$ 14.76 million
Net loans and leases
$ 305.49 million
Loan loss allowance
$ 2.57 million
Trading account assets
N.A.
Bank premises and fixed assets
N.A.
Other real estate owned
$ 3.12 million
Goodwill and other intangibles
$ 5.35 million
All other assets
$ 5.77 million
Total Assets
$ 595.21 million
LIABILITIES
Total deposits
$ 559.62 million
Interest-bearing deposits
$ 423.81 million
Deposits held in domestic offices
$ 559.62 million
% insured (estimated)"
75.24%
Federal funds purchased and repurchase agreements
$ 20.71 million
Trading liabilities
N.A.
Other borrowed funds
$ 0.10 million
Subordinated debt
N.A.
All other liabilities
$ 14.79 millionn
Total Liabilities
$ 595.21 million
Shareholders’ Equity
$ 59.05 million
Summary Income Statement as of September 30, 2025
INCOME AND EXPENSES
Total Interest Income
$ 9.68 million
Total Interest Expense
$ 0.54 million
Net interest income
$ 9.15 million
Provision for loan and lease losses
N.A.
Total non interest income
$ 1.35 million
Total non interest expense
$ 6.03 million
Pre-tax Net Operating Income
$ 4.49 million
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