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’s trade area has grown over the years, reaching customers and businesses in surrounding communities of Carlisle, Graves, and Hickman counties in Kentucky and Lake, Obion, Dyer, and Weakley counties in Tennessee.Being a locally owned Community Bank, we are committed to serving our customers and being an integral part of the communities, we serve.