Citizens Bank of Kentucky
A Kentucky community bank headquartered in Paintsville and serving customers across eastern Kentucky.
Last updated August 25, 2026
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Overview
Citizens Bank of Kentucky is the consumer-facing banking identity associated with Citizens National Bank, a community bank headquartered in Paintsville, Kentucky. The institution traces its origins to the opening of Paintsville Bank and Trust Company on Main Street in Paintsville on February 16, 1910. It later became a national bank and adopted the name Second National Bank of Paintsville in 1927. In 1959, the institution changed its name to Citizens National Bank, reflecting its position as a long-established local bank serving Paintsville and Johnson County. The bank’s development has been closely linked to the growth of the eastern Kentucky communities in which it operates. In 1960, it opened a branch at the intersection of Broadway and Tenth Street. Known as the Motor Bank Branch, the location introduced a drive-through banking facility and represented an early effort to make branch services more convenient for customers. The Family Banking Center followed in 1971, and the bank continued its regional expansion with the Mayo Plaza Branch in 1978 and the Village Plaza Branch in 1982. Citizens National Corporation was established as the bank’s holding company in the latter part of 1982. The holding company later supported the construction of a new main office building beside the Family Banking Center. That four-story headquarters opened in January 1988, after which the older Motor Bank structure was removed. The institution subsequently expanded through combinations with The Bank Josephine, Heritage Bank of Ashland, and Kentucky National Bank, broadening its presence beyond Johnson County. The bank’s documented branch network reached 17 locations in several eastern Kentucky counties by 2010. Its service area included Boyd, Carter, Fayette, Floyd, Greenup, Johnson, Magoffin, and Pike counties. As a regulated national bank, it operated under the supervision of the Office of the Comptroller of the Currency within the U.S. Department of the Treasury. A reference profile reported total assets of $599.5 million as of June 30, 2010; this historical figure should not be treated as a current financial measure. In addition to banking operations, the institution has participated in local civic and educational initiatives. It donated its former headquarters at 75 Main Street to the City of Paintsville in 2007, after which the building was converted into city hall. Earlier, in 1984, it donated the former Consolidation Coal Company office in Van Lear to the Van Lear Historical Society, which converted the property into the Coal Miners Museum. In 2010, the bank also donated $50,000 to Midway College School of Pharmacy for construction of its Paintsville campus. The available reference material describes the organization principally as a locally rooted, independently owned Kentucky bank rather than as a national consumer-finance brand. Its identity is associated with branch-based community banking, long-term service in eastern Kentucky, regional expansion, and civic involvement. Current ownership details, executive leadership, product specifications, and up-to-date financial information are not established by the supplied sources.
History
Citizens Bank of Kentucky descends from Paintsville Bank and Trust Company, whose original location opened on Main Street in Paintsville on February 16, 1910. A larger two-story building replaced the original frame structure in 1917. On January 3, 1927, the bank converted to national-bank status and adopted the name Second National Bank of Paintsville. During the following decades, the institution became a principal banking organization in Paintsville and Johnson County. On June 30, 1959, it changed its name to Citizens National Bank, emphasizing its long operating history and local standing. The bank opened a new location at Broadway and Tenth Street on February 15, 1960. This branch, called the Motor Bank Branch, included what was described as the area’s first drive-through banking facility. The Family Banking Center was built next to it in 1971. The institution entered a period of regional expansion in the late 1970s and early 1980s. It opened the Mayo Plaza Branch on November 15, 1978, followed by the Village Plaza Branch on August 7, 1982. Citizens National Corporation was formed as a holding company during the latter part of 1982. In 1985, the corporation sold $2 million in industrial revenue bonds to finance a new main office building adjacent to the Family Banking Center. The four-story building opened on January 17, 1988, and the former Motor Bank building was later demolished. The bank subsequently grew through mergers with The Bank Josephine, Heritage Bank of Ashland, and Kentucky National Bank. By 2010, the documented network included 17 locations in Boyd, Carter, Fayette, Floyd, Greenup, Johnson, Magoffin, and Pike counties in Kentucky. The bank was described as the second-largest independently owned bank in Kentucky at that time, with reported assets of $599.5 million as of June 30, 2010. It operated as a national bank regulated by the Office of the Comptroller of the Currency and the U.S. Treasury Department. Civic involvement has been a notable part of the institution’s local history. In 1984, the bank donated the former Consolidation Coal Company office in Van Lear to the Van Lear Historical Society; the site became the Coal Miners Museum. In 2007, it donated its former headquarters at 75 Main Street to Paintsville, which converted the building into city hall. On August 18, 2010, the bank gave $50,000 to the Midway College School of Pharmacy for development of a new Paintsville campus. The supplied sources provide substantial historical information but do not establish current assets, present-day branch totals, current parent ownership, executive leadership, detailed account products, or a verified current corporate status beyond the organization’s identification as a Kentucky banking institution. Those areas require additional current sources.
- 2010
Paintsville pharmacy-school donation
[1]The bank gives $50,000 to Midway College School of Pharmacy for construction of a Paintsville campus.
- 2007
Former headquarters donated to Paintsville
[1]The bank transfers its former 75 Main Street headquarters to the city for use as city hall.
- 1988
Four-story main office opens
[1]The new main office opens on January 17 beside the Family Banking Center.
- 1985
Financing arranged for new main office
[1]The holding company sells $2 million in industrial revenue bonds to finance a new headquarters building.
- 1982
Village Plaza Branch and holding company
[1]The Village Plaza Branch opens on August 7, and Citizens National Corporation is formed later that year.
- 1978
Mayo Plaza Branch opens
[1]The institution opens the Mayo Plaza Branch on November 15.
- 1971
Family Banking Center constructed
[1]The bank builds a Family Banking Center next to the Motor Bank Branch.
- 1960
Motor Bank Branch opens
[1]A new Broadway and Tenth Street location opens with a drive-through banking facility.
- 1959
Adopts Citizens National Bank name
[1]The institution changes its name to Citizens National Bank on June 30.
- 1927
Becomes Second National Bank of Paintsville
[1]The bank becomes a national bank and changes its name on January 3.
Products and positioning
A locally rooted, independently owned community bank emphasizing long-term service to eastern Kentucky customers and institutions.
Retail and community banking · 1910
Community banking
The institution’s historical identity is centered on branch-based community banking in Paintsville and surrounding eastern Kentucky counties. The supplied reference describes the bank as serving local customers through a growing network of physical locations, including conventional branches and an early drive-through facility. Specific current account names, rates, digital features, and eligibility terms are not established by the available sources.
Banking access channel · 1960
Branch and drive-through banking
Citizens National Bank developed a multi-location service model in eastern Kentucky. Its Motor Bank Branch, opened in 1960, was identified as the first branch location in the area to offer drive-through service. Later branch openings and bank mergers expanded physical coverage across multiple counties, although the current network is not confirmed by the supplied material.
Brand decisions
1982
Creation of Citizens National CorporationStrategyBackground
The bank was expanding its branch footprint and required a holding-company structure.
Action taken
Citizens National Corporation was established during the latter part of 1982 as the bank’s holding company.
Aftermath
The structure supported later capital financing and continued regional development.
1959
Rebranding as Citizens National BankStrategyBackground
The bank sought to mark its long operating history and local prominence in Paintsville and Johnson County.
Action taken
It changed its name from Second National Bank of Paintsville to Citizens National Bank on June 30.
Aftermath
The Citizens National Bank identity became the institution’s principal historical name.
1927
Conversion to national-bank statusStrategyBackground
The Paintsville institution had operated as Paintsville Bank and Trust Company before changing its legal and operating identity.
Action taken
On January 3, the bank became a national bank and adopted the name Second National Bank of Paintsville.
Aftermath
The change established the national-bank identity that preceded the later Citizens National Bank name.
- Regional bank mergersM&A
Background
Citizens National Bank pursued regional expansion beyond its original Johnson County base.
Action taken
The bank merged with The Bank Josephine, Heritage Bank of Ashland, and Kentucky National Bank.
Aftermath
The mergers contributed to a documented 17-location network serving several eastern Kentucky counties by 2010.
Sources1 sources
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