Citizens Financial Corp. 401(k) Savings Plan and Trust Agreement

What the Filing Says About Citizens Financial Corp. 401(k) Savings Plan and Trust Agreement

Citizens Financial Corp. 401(k) Savings Plan and Trust Agreement is a 401(k) retirement plan sponsored by Citizens Financial Corporation, Inc., headquartered in Kentucky. As of the 2023 Form 5500 filing, the plan reports $16M in total end-of-year assets and covers 588 participants across the Finance & Insurance industry. The sponsor's EIN on file with the U.S. Department of Labor is 611187135, and the plan has been effective since 1997-01-01. Its filing status is currently FILING RECEIVED.

Year over year, total assets moved from $12M at the beginning of 2023 to $16M at year-end — a gain of 30.3%. Net assets (after liabilities) closed the year at $16M, with reported net income of $4M driven by investment returns, contributions received, and benefit payments during the period. These figures reflect what the plan administrator certified on Schedule H or Schedule I of the Form 5500 annual return and can be compared against 2 prior plan-year filings from the same sponsor shown below.

Asset totals and participant counts reflect a single plan year snapshot and can change materially with market conditions, plan mergers, or workforce changes. Fields such as "net income" include both realized investment performance and contribution/distribution flows — a single-year figure does not by itself indicate plan health or participant outcomes. This page summarizes public DOL disclosures for research and educational purposes only and is not retirement, tax, legal, or financial advice. Before making decisions about your own retirement benefits or evaluating an employer's plan, verify the underlying filing directly via the DOL EFAST2 system and consult a qualified professional.