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The Citizens Bank
✓ FDIC-insured · Active FDIC Certificate #10520
The Citizens Bank is an FDIC-insured state-chartered bank that is not a Federal Reserve member (supervised by the FDIC), headquartered in Morehead, Kentucky, established in 1928. As of the 06/30/2026 FDIC call report, it reported $229M in total assets and $182M in deposits. FDIC location data lists 5 offices in Kentucky. The FDIC classifies it as a community bank. It is owned by the holding company CITIZENS BCORP MOREHEAD INC (Morehead, KY).
Financial data as of the 06/30/2026 FDIC call report.
Where it operates
All 5 of The Citizens Bank's FDIC-listed offices are in Kentucky. Browse banks in Morehead for other local options.
Branch locations
| The Citizens Bank Main Street Branch · Full Service - Brick And Mortar | 22 E Main Street Owingsville, KY 40360 Map ↗ |
| The Citizens Bank Trademore Branch · Full Service - Brick And Mortar | 216 Trademore Shopping Ctr Morehead, KY 40351 Map ↗ |
| The Citizens Bank West Liberty Branch · Full Service - Brick And Mortar | 335 Prestonsburg St West Liberty, KY 41472 Map ↗ |
| The Citizens Bank Citizens Bank Branch · Full Service - Brick And Mortar | 648 Main St Sharpsburg, KY 40374 Map ↗ |
| The Citizens Bank The Citizens Bank · Full Service - Brick And Mortar | 114 W Main St Morehead, KY 40351 Map ↗ |
Holding company: CITIZENS BCORP MOREHEAD INC
The FDIC lists CITIZENS BCORP MOREHEAD INC, based in Morehead, KY, as the top holding company for The Citizens Bank. The FDIC shows no other active insured banks under the same holding company.
Similar-size banks in Kentucky
Active FDIC-insured banks headquartered in Kentucky with total assets closest to The Citizens Bank's $229M. See all banks in Kentucky.
| Bank | HQ city | Assets | Offices |
|---|---|---|---|
| The Farmers Bank | Nicholasville | $283M | 4 |
| First Federal Savings Bank of Kentucky | Frankfort | $283M | 6 |
| Bank of Jamestown | Jamestown | $264M | 3 |
| Bank of Hindman | Hindman | $260M | 3 |
| FIRST NATIONAL BANK OF KENTUCKY | Carrollton | $258M | 6 |
| Citizens Bank | Mount Vernon | $250M | 5 |
| Farmers Bank and Trust Company | Princeton | $248M | 4 |
| Lewisburg Banking Company | Lewisburg | $246M | 5 |
The Citizens Bank: common questions
Is The Citizens Bank FDIC-insured?
Yes. The Citizens Bank is an active FDIC-insured institution, FDIC Certificate #10520. Deposits are insured up to $250,000 per depositor, per ownership category. You can confirm this on FDIC BankFind.
Where is The Citizens Bank headquartered?
The Citizens Bank is headquartered at 114 W Main St, Morehead, KY 40351, according to FDIC records.
How many branches does The Citizens Bank have?
FDIC location data lists 5 offices for The Citizens Bank, all in Kentucky.
Who owns The Citizens Bank?
The FDIC lists CITIZENS BCORP MOREHEAD INC of Morehead, KY as the top holding company for The Citizens Bank.
Source: FDIC BankFind Suite (institution, location, and call report data). BankNearMe.com does not rank or rate banks.