Applications / Mortgage Analytics / Lenders / Kentucky / Citizens Bank of Kentucky / Competition
Citizens Bank of Kentucky
Paintsville, KY · State member bank · FRS · $689 million assets · 98 loans in 2025
Citizens Bank of Kentucky's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
98
loans originated, 2025
149
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Who Citizens Bank of Kentucky competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — HUNTINGTON-ASHLAND, KY-OH-WV, 2025
Citizens Bank of Kentucky ranks 34th of 237 lenders in Huntington-Ashland, KY-OH-WV, with $7.6M lent: 0.7% of a $1.12B market.
Huntington-Ashland, KY-OH-WV is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Citizens Bank of Kentucky in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 47% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — NON-METRO KENTUCKY, 2025
Citizens Bank of Kentucky ranks 129th of 537 lenders in non-metro Kentucky, with $7.1M lent: 0.1% of a $5.26B market.
non-metro Kentucky is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Citizens Bank of Kentucky in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 31% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — LEXINGTON-FAYETTE, KY, 2025
Citizens Bank of Kentucky ranks 80th of 389 lenders in Lexington-Fayette, KY, with $6.8M lent: 0.2% of a $3.62B market.
Lexington-Fayette, KY is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Citizens Bank of Kentucky in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 37% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — CRESTVIEW-FORT WALTON BEACH-DESTIN, FL, 2025
Citizens Bank of Kentucky ranks 310th of 606 lenders in Crestview-Fort Walton Beach-Destin, FL, with $1.3M lent: 0.0% of a $4.40B market.
Crestview-Fort Walton Beach-Destin, FL is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Citizens Bank of Kentucky in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 29% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — NON-METRO WEST VIRGINIA, 2025
Citizens Bank of Kentucky ranks 148th of 299 lenders in non-metro West Virginia, with $825K lent: 0.1% of a $1.42B market.
non-metro West Virginia is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Citizens Bank of Kentucky in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 40% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — COLUMBUS, OH, 2025
Citizens Bank of Kentucky ranks 458th of 596 lenders in Columbus, OH, with $475K lent: 0.0% of a $16.93B market.
Columbus, OH is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Citizens Bank of Kentucky in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 34% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — SANDUSKY, OH, 2025
Citizens Bank of Kentucky ranks 136th of 230 lenders in Sandusky, OH, with $425K lent: 0.1% of a $570.5M market.
Sandusky, OH is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Citizens Bank of Kentucky in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 49% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — PUNTA GORDA, FL, 2025
Citizens Bank of Kentucky ranks 386th of 548 lenders in Punta Gorda, FL, with $365K lent: 0.0% of a $2.09B market.
Punta Gorda, FL is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Citizens Bank of Kentucky in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 39% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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