CITIZENS BANK

NEW HAVEN, MO | Small | Est. Jan. 1, 1934, midnight | FDIC #14488 | RSSD #1001853 | FDIC
Latest Report: 2025-12-31

CITIZENS BANK is asn small FDIC-insured commercial bank headquartered in NEW HAVEN, MO, established in Jan. 1, 1934, midnight. As of 2025-12-31, the bank reported total assets of $350M and total deposits of $300M. Profitability stands at 1.10% ROA and 8.64% ROE, with a net interest margin of 4.37%. The bank's CET1 capital ratio is 14.27%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.33% and a Texas Ratio of 14.53%. FDIC Certificate #14488.

Assets

$350M

Deposits

$300M

Loans

$318M

Equity

$46M

Profitability

Return on Assets (ROA) 1.10%
Return on Equity (ROE) 8.64%
Net Interest Margin (NIM) 4.37%
Yield on Assets 6.47%
Cost of Funds 2.25%

Asset Quality

NPL Ratio 2.33%
Net Charge-Off Ratio -0.01%
Texas Ratio 14.53%
NPA Ratio 2.12%
ACL / Loans 1.62%

Capital & Liquidity

CET1 Ratio 14.27%
Tier 1 Capital 14.27%
Total Capital Ratio 15.53%
Leverage Ratio 12.86%
Loan-to-Deposit 105.90%

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