Loan Products

We’ll help get you home. Whether you’ve found your first house or want to make improvements to the one you already own, Citizens Bank of Kentucky’s Mortgage Lending experts can help you get the financing that’s right for you.


Consumer Loans

Citizens Bank of Kentucky specializes in the personal touch.  A Consumer Loan can help you finance items such as vehicles, recreational items, household goods, and travel, medical and dental expenses. We can customize a loan to fit a variety of borrowing needs.

Home Equity Loans

Utilize the equity in your home! A Home Equity Loan can provide you with funds necessary for home improvements, travel plans, loan consolidation, furniture and many other purchases. Talk to one of our personal bankers about the flexible options available with a Home Equity Loan. Citizens Bank of Kentucky offers some of the most competitive and convenient Home Equity Loans in the area.

Mortgage/Real Estate Loans

As your community bank, we know that there is more to financing or refinancing than the actual loan. Our professional staff will work with you to ensure you have the advice and personal service you require when navigating the maze of financial options among mortgages, loans and mortgage lenders. As a direct lender, Citizens Bank of Kentucky eliminates the middleman, which means less cost and less hassle for you.

Citizens Plus

Citizens Plus is overdraft protection available on any Citizens personal checking account. The plus is the peace of mind that comes from knowing “you’re covered.” Download and fill out the application at the link below:

  • Personal checking overdraft protection
  • Funds advanced in $50 increments
  • Credit Lines from $200 to $5,000
  • Monthly payments automatically deducted from checking account


Citizen’s Bank of Kentucky understands the unique challenges local businesses face. Our community perspective and long-standing banking expertise make us your ideal commercial lending partner for both business loans and personal loans. We can help your business obtain the financing security it needs for new equipment, new building, and new growth— now and for the future.

  • For small and large businesses, small and large expenses
  • Competitive rates
  • Secured and unsecured loans available
  • FLEXIBLE Repayment terms up to 20 years
  • Construction Loans – construction to permanent
  • Lines of Credit


Has your small business recently hired at least one new full-time employee and invested at least $5,000 in new equipment or technology? If so, you may be eligible for a tax credit through the Kentucky Small Business Tax Credit Program.

The Kentucky Small Business Tax Credit (KSBTC) program is designed to encourage small business growth and job creation. With certain exceptions, most for-profit businesses with 50 or fewer full-time employees are considered eligible.

How much is the tax credit?

The tax credit for which you may be eligible could total between $3,500 and $25,000, depending on the number of employees you hire and the total amount of investment in equipment or technology.

Contact any of our lenders for further information.

Business MasterCard®

Safe Convenient for all your business expenses — around the corner and around the world

Business Banking Team

Darren W Gillespie

Darren W Gillespie

Senior Vice President,
Chief Lending Officer
MLO #556617
(606) 264-3047
620 Broadway
Paintsville, KY 41240

Jason Allen Suman

Jason Allen Suman

Senior Vice President, Market President/      Head of Business Banking
MLO #761824
(606) 920-7315
855 Central Ave
Ashland, KY 41101

Billy Dion Mullins

Senior Vice President Bluegrass Region
MLO #781806
695 Bullion Blvd.
Winchester, KY  40391

Jarrod Ryan Adkins

AVP/Business Banking Officer
MLO #641264
p. (606) 264-3029
620 Broadway
Paintsville, KY 41240

To report a Lost or Stolen Debit/ATM Card between the hours of 9am-5pm please call (866) 462-2265.
After hours please call (800) 811-8148, select option 3.