Nestled throughout the heart of Western Kentucky lies an institution known as Citizens Deposit Bank. While a bank is a business that operates to service individuals looking to find a safe place to keep their money, this locally owned and operated company goes above and beyond in being a top-tier establishment for the community.
Citizens Deposit Bank was established in 1949 out of Arlington, Kentucky. In the world of banking, they offer a plethora of services to individuals and organizations throughout the community. Some of the resources offered include checking and savings accounts, loans, time deposits, ATMs, and mobile banking. Despite its existence as a small, locally-owned company, Citizens Deposit Bank has products and services that the largest banks in the country offer.
Since it emerged as a local business, the bank has experienced explosive growth and branched out to Bardwell, Wickliffe, Kevil, and most recently, the small town of Cunningham.
“We noticed that we had several customers in those areas who were expressing a need for our services in their communities. Some very loyal and faithful customers were driving to inconvenient locations to work with us,” said Abigail Northsworthy, the Citizens Deposit Bank Director of Marketing. “So we expanded our business to offer our services to these customers in places convenient to them and aid their communities.”
While Citizens Deposit Bank is committed to serving the Western Kentucky region in the banking industry, the business is also dedicated to being an integral part of the community. The bank makes it a top priority to get involved with local events, businesses, and schools where there are branches of bank operation.
Citizens Deposit Bank is so involved within the community; it is considered to be part of their service as a business to go out and attend events and visit schools. Within the river counties of the area, there aren’t always as many resources, so the company wants to make any gatherings or events as good as possible.
“We do a lot of things, but our heart really lies with our local businesses and schools,” said Northsworthy. “Especially with the pandemic happening last year, we wanted to make an effort to be there for the community even when things weren’t going on. We always looked towards supporting the local businesses and offering things like masks and hand sanitizers to the schools to keep people in good spirits.”
In the grand scheme of banking, what sets Citizens Deposit Bank apart from other banks which offer the same services is the astounding service that customers get when they interact with the bank. Each and every individual that walks into a Citizens Deposit Bank location has the opportunity to form a personal relationship with their banker, a genuine connection to last a lifetime.
As Citizens Deposit Bank looks toward the future, the business will continue its commitment to its customers and the communities in the counties of service to fulfill its desire to be a dependable and caring bank in the Western Kentucky region.



