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FIXnotes

CITIZENS B&T CO OF JACKSON

BANK

JACKSON, KY · NM

Total Assets
$217M
—
Total Loans
$163M
—
25.6%
+2.4
CITIZENS B&T CO OF JACKSON in KY reported a Texas Ratio of 25.6% in Q2 2026, rising +2.4pp from the prior quarter. Nonperforming assets increased +0.43pp to 3.35%.

Portfolio composition

CategoryBalance% of totalNPL %Charge-off %
Real estate (all)————
Commercial real estate————
Construction & land————
FOUNDATION Multifamily — Unlock to view
FOUNDATION Non-residential CRE — Unlock to view
FOUNDATION Residential real estate — Unlock to view
FOUNDATION Commercial & industrial — Unlock to view
FOUNDATION Consumer — Unlock to view
FOUNDATION Other loans — Unlock to view
FOUNDATION 1-4 family — 1st lien — Unlock to view
FOUNDATION 1-4 family — junior lien — Unlock to view
FOUNDATION 1-4 family — HELOC — Unlock to view
FOUNDATION Multifamily — Unlock to view
FOUNDATION CRE — owner-occupied — Unlock to view
FOUNDATION CRE — non-owner-occupied — Unlock to view
FOUNDATION Construction — 1-4 family — Unlock to view
FOUNDATION Construction — other — Unlock to view
FOUNDATION Commercial & industrial — Unlock to view
FOUNDATION Consumer — Unlock to view
FOUNDATION

20-quarter trend panels

See how Texas Ratio, NPL %, and charge-offs evolved across the last 5 years.

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Peer cohort comparison

Benchmark against banks in the same size and geography cohort.

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Full portfolio composition

Every loan category, NPL ratio, and charge-off rate — beyond the top 3.

Kentucky mortgage-note market & lender distress →