barge on the water


Our History

The Citizens Bank is an independent, community bank, FDIC insured and operates as a one-bank holding company, the Citizens Bancorp of Hickman, KY. The bank was chartered by the Commonwealth of Kentucky, as a state bank, on September 3, 1930.

The holding company was formed March 23, 1983. Since its inception, the bank’s primary mission has been to serve the banking needs of Hickman, Kentucky and Fulton County. Since the opening of our branch in Fulton, Kentucky on September 30, 2002 the bank has grown, so has its reputation for serving the needs of our community, and being a hometown bank that excels in customer service by providing up to date products and services.

The bank’s trade area has grown as well, reaching customers and businesses in surrounding communities in Carlisle, Graves, and Hickman counties in Kentucky and Lake, Obion, Dyer, and Weakley counties in Tennessee.

Our people make The Citizens Bank. Our employees, officers and directors are committed to serving our customers and being an integral part of the community. This commitment is what sets The Citizens Bank apart from other financial institutions.

Please feel free to visit, call, or e-mail us today. We put our customers first and are dedicated to serving the banking needs of our community and beyond. We’re here to help enhance the lives of our customers and friends through financial products and services. This is the reason The Citizens Bank exists. Our personalized attention to our customers’ interests reflects this strong commitment. Also, we have this same commitment to the communities in which we live and serve. From monetary donations to countless volunteer hours, our organization relishes its ability to have a positive impact within our communities.