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Citizens Bank & Trust Co. of Jackson

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Citizens Bank & Trust Co. of Jackson Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Citizens Bank & Trust Co. of Jackson provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

Citizens Bank & Trust Co. of Jackson rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.85%, 6-month CD rates at 2.75% and 3-month CD rates at 2.56%. Savings rates are at 0.89% and money market rates are at 1.22%. Mortgage rates on 30-year fixed loans are around 7.01%. These rates come from our rate database, not Citizens Bank & Trust Co. of Jackson, and you can see how they compare in the Citizens Bank & Trust Co. of Jackson rate tables below. MonitorBankRates evaluates the financial stability of Citizens Bank & Trust Co. of Jackson with a 3.9 Star Rating, an C Overall Health Grade, and a Texas Ratio of 27.92%. Database rates last updated and verified on 09/23/2026.

Citizens Bank & Trust Co. of Jackson money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Citizens Bank & Trust Co. of Jackson? Share your experience about Citizens Bank & Trust Co. of Jackson by leaving a review below, or read customer reviews before you decide to use Citizens Bank & Trust Co. of Jackson.

Overall Health & Safety Grade

Average Health Score: 75/100

MonitorBankRates Rating

3.9

Very Good Out of 5.0 Stars

Texas Ratio

27.92%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Citizens Bank & Trust Co. of Jackson

720 Highway 15 S
Jackson, KY 41339

https://www.citizensbankjackson.bank

Current Rate Availability

We're not currently displaying rates for Citizens Bank & Trust Co. of Jackson, but our database is updated constantly, so check back soon for the latest offers.

Are you with Citizens Bank & Trust Co. of Jackson? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates.

Financial Health History

Citizens Bank & Trust Co. of Jackson’s Texas Ratio rose from 7.28% in Q3 2023 to 27.92% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 3.9 and its Health Grade from A to C. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$217M	27.92%	3.9	C
March 31, 2026	$216M	25.44%	4.1	C+
December 31, 2025	$213M	20.71%	4.5	B
September 30, 2025	$212M	11.67%	5.0	A
June 30, 2025	$216M	12.62%	5.0	A
March 31, 2025	$210M	14.07%	5.0	A-
December 31, 2024	$209M	11.81%	5.0	A
September 30, 2024	$207M	11.71%	5.0	A
June 30, 2024	$205M	7.18%	5.0	A
March 31, 2024	$207M	6.98%	5.0	A
December 31, 2023	$203M	7.53%	5.0	A
September 30, 2023	$199M	7.28%	5.0	A

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Citizens Bank & Trust Co. of Jackson is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Citizens Bank & Trust Co. of Jackson rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Citizens Bank & Trust Co. of Jackson's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Citizens Bank & Trust Co. of Jackson

Bank Holding Company JOHN R TURNER HOLDING CO

Address 720 Highway 15 S, Jackson, KY 41339 · Breathitt

Website https://www.citizensbankjackson.bank

FDIC Certificate # 18620

Established 19621117

FDIC Insurance Date 19621117

Domestic Offices 3

Total Branches 3

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 75/100

3.9

Very Good Out of 5.0 Stars

27.92%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.0204%

Return on Equity (ROE) 9.6300%

Non-Performing Loans (NPL) 2.51%

Total Assets $217,266,000

Total Deposits $190,888,000

Equity Capital $22,892,000

Net Income $1,100,000

Headquarters Jackson

Total Branches and Offices 3

Source: FDIC | Last Updated 06/30/2026

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Citizens Bank & Trust Co. of Jackson

How many branches does Citizens Bank & Trust Co. of Jackson operate?

Citizens Bank & Trust Co. of Jackson currently maintains approximately 3 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Citizens Bank & Trust Co. of Jackson does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Citizens Bank & Trust Co. of Jackson provides members with tools to manage their accounts and build a solid financial history.

Does Citizens Bank & Trust Co. of Jackson offer online and mobile banking?

Most modern institutions like Citizens Bank & Trust Co. of Jackson provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.citizensbankjackson.bank.