Citizens Deposit Bank is proud to serve Ballard, Carlisle, Hickman & surrounding counties since 1949. When you visit a branch of Citizens Deposit Bank, we want you to feel at home. Because when you bank with us, you’re banking with friends, neighbors and relatives. It’s our goal to help you secure your financial future, together.

We continually offer new products and technologies to better serve our customers’ banking needs. In doing so, Citizens Deposit Bank has made a commitment to serve the customers in our trade area for years to come with products and services offered in the largest banks in the country and the customer service of a small town community bank.

Our Story:

Citizens Deposit Bank is a community owned bank rooted in Western Kentucky. The bank was chartered by the Commonwealth of Kentucky in 1949 and continues to serve the needs of citizens of Carlisle, Hickman, Ballard, and surrounding counties.

Our reputation of being a hometown bank with excellent customer service is known throughout the counties we serve. That’s because our staff, management and directors all strive to provide the highest level of customer service to each and every one of our customers. It’s with great pride that we get to watch our community grow, both personally and financially.

Our strong commitment to our customers and the communities which we serve has made Citizens Deposit Bank one of the more prosperous banks in Western Kentucky. Feel free to visit, call or email us with any questions you may have about our products or services.

Citizens Deposit Bank is now and will remain the bank where you know your banker and your banker knows you.

History:

Ernest Lee Williams

Ernest Lee Williams

It’s impossible to speak about the history of Citizens Deposit Bank without discussing Ernest Lee Williams. Ernest started at CDB on New Year’s Day in 1964 as a humble teller eager to serve the community in which he lived. Back then, it was known as “The Arlington Bank.”

Through the years, Ernest’s “nose to the grindstone” mindset and dedication to hard work helped him climb the ranks at CDB, eventually making his way to President, then CEO, which is where he sits today.

Ernest was there when “The Arlington Bank” moved to its current Arlington location in 1982. He was there when the bank officially doubled in size in 1984. He was there when we opened our Bardwell location in 1997, throughout the construction of our Wickliffe branch in 2014, our Kevil expansion in 2019, and finally, our Cunningham addition in 2021. 

Today CDB operates in five branches throughout the region, serving customers in Ballard, Carlisle, Hickman & the surrounding counties, all under the leadership of our dedicated board, and their proud leader, Mr. Ernest Lee Williams.

History:

 

Ernest Lee Williams

Ernest Lee Williams

 

It’s impossible to speak about the history of Citizens Deposit Bank without discussing Ernest Lee Williams. Ernest started at CDB on New Year’s Day in 1964 as a humble teller eager to serve the community in which he lived. Back then, it was known as “The Arlington Bank.”

Through the years, Ernest’s “nose to the grindstone” mindset and dedication to hard work helped him climb the ranks at CDB, eventually making his way to President, then CEO, which is where he sits today.

Ernest was there when “The Arlington Bank” moved to its current Arlington location in 1982. He was there when the bank officially doubled in size in 1984. He was there when we opened our Bardwell location in 1997, throughout the construction of our Wickliffe branch in 2014, our Kevil expansion in 2019, and finally, our Cunningham addition in 2021. 

Today CDB operates in five branches throughout Ballard, Carlisle, Hickman & the surrounding counties, all under the leadership of our dedicated board, and their proud leader, Mr. Ernest Lee Williams.

Board of Directors:

 

  • Ernest Lee Williams
  • Ricky L. Williams
  • James E. Cherry
  • Philip Hocker
  • Gina Webb
  • Kevin Crider
  • David Rambo

Bank Officers:

 

  • Ernest Lee Williams, CEO
  • Ricky L. Williams, President/Senior Leader
  • Danny D. Beyer, Senior Vice President/Senior Lender

 

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