CZNL (Citizens National) Total Deposits: $588.98 Mil (As of Dec. 2025)

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Vera Yuan
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Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

CZNL Citizens National Corp CZNL
45 GF Score
Price $87.00
GF Value $47.42
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Citizens National Total Deposits?

Citizens National CZNL -1.14% 45 Total Deposits is $588.98 Mil as of Dec. 2025. GuruFocus rates CZNL with a GF Score™ of 45/100 and a GF Value™ of $47.42 (Significantly Overvalued). The stock has 5 warning signs investors should review.

Citizens National's annual total deposits increased from Dec. 2023 ($570.74 Mil) to Dec. 2024 ($571.98 Mil) and increased from Dec. 2024 ($571.98 Mil) to Dec. 2025 ($588.98 Mil).

Citizens National Total Deposits Historical Data

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The historical data trend for Citizens National's Total Deposits can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Citizens National Total Deposits Chart

Citizens National Annual Data
Trend Dec05 Dec13 Dec14 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Deposits
Get a 7-Day Free Trial Premium Member Only Premium Member Only 654.10 609.08 570.74 571.98 588.98

Citizens National Semi-Annual Data
Dec92 Dec03 Dec04 Dec05 Dec13 Dec14 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Deposits Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 654.10 609.08 570.74 571.98 588.98
CZNL
45GF Score
Citizens National Corp CZNL
Total Deposits is just one metric. See GF Score™, valuation, warning signs, and more.
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Citizens National Total Deposits Calculation

Total Deposits that banks' customers have in their accounts. This is an very important source of banks' liquidity.

When banks' customers flood to their banks to take their deposit out, it may be called "Bank Run", which may bring down a bank due to liquidity issues.

Frequently Asked Questions Learn more about Total Deposits →
What does a Total Deposits of $588.98 Mil mean?
Citizens National (CZNL) has a Total Deposits of $588.98 Mil as of Dec. 2025. The total amount of client deposits as recorded on a bank's balance sheet. View historical data for Citizens National and its competitors.
Is Citizens National's Total Deposits too high?
Citizens National's current Total Deposits is $588.98 Mil. Overall, Citizens National has a GF Score™ of 45/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citizens National's Total Deposits compare to KLIB and JUVF?
Citizens National's Total Deposits of $588.98 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Total Deposits for a Banks company?
A good Total Deposits depends on the Banks industry context. However, Total Deposits should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Total Deposits mean?
A high Total Deposits can signal that a stock is expensive relative to its fundamentals. The total amount of client deposits as recorded on a bank's balance sheet. View historical data for Citizens National and its competitors. Citizens National's current Total Deposits is $588.98 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Citizens National stock overvalued right now?
Based on GuruFocus' analysis, Citizens National (CZNL) is currently considered Significantly Overvalued. The stock's GF Value™ is $47.42, compared to a current price of $87.00 — trading 83.5% above its estimated fair value. The current Total Deposits is $588.98 Mil. Citizens National's overall GF Score™ is 45/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Total Deposits calculated?
Total Deposits is calculated from a company's financial statements. For Citizens National (CZNL), the current Total Deposits is $588.98 Mil as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Citizens National (CZNL) Overvalued in 2026?

Based on GuruFocus' analysis, Citizens National stock appears to be overvalued. The current stock price of $87.00 is trading 83.5% above its estimated GF Value™ of $47.42. GuruFocus considers Citizens National to be Significantly Overvalued.

Key valuation signals for CZNL:

  • Total Deposits: $588.98 Mil
  • GF Value™: $47.42 vs. price of $87.00 (83.5% above fair value)
  • GF Score™: 45/100 with 5 warning signs

No single metric tells the full story. See the CZNL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Citizens National Business Description

Address 620 Broadway, Paintsville, KY, USA, 41240
Citizens National Corp provides banking services. The company provides all necessary banking services and products to its customers. Its deposit products are checking, savings, and term certificate accounts, and its lending products are residential mortgage, commercial, and installment loans. Substantially all loans are secured by specific items of collateral including business assets, consumer assets, and commercial and residential real estate. Commercial loans are expected to be repaid from cash flow from the operations of businesses.
45GF Score

Get the complete analysis for CZNL

Total Deposits is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$87.00
Price
$47.42
GF Value