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Mission Statement

Our Mission at Citizens Bank

Supporting Local Communities

When you bank with us, you’re investing in the businesses and people of our local community. Your deposits stay local, fueling growth and development right here at home. As an in-state bank, we’re deeply connected to the lives of our neighbors, with offices and staff residing in rural Kentucky counties. Financing decisions are made by us, your neighbors—not by an office three states away.

Modern Convenience with a Personal Touch

At Citizens Bank, we combine the latest banking technology with personalized service. Manage your accounts anytime, anywhere with our mobile banking app or online banking website. Pay bills, transfer funds, and more with just a tap. When you visit our branches, you’ll be welcomed by our friendly, professional staff, ready to assist you.

A Legacy of Customer Service

Founded in 1904, Citizens Bank has grown alongside our community. By 1910, we were among the top financial institutions in Southeastern Kentucky. Our commitment to customer service was embodied by Mr. R.C. Anderson, who became president in 1958 and placed his desk in the lobby to serve our customers better. Under his leadership, the bank thrived.

Citizens Bank remains strong and dedicated to serving each customer and the communities we call home, with five branches across Southcentral Kentucky.