CITIZENS BANK

CARTHAGE, TN | Medium | Est. Oct. 26, 1929, midnight | FDIC #893 | RSSD #126834 | FDIC
Latest Report: 2025-12-31

CITIZENS BANK is amn medium FDIC-insured commercial bank headquartered in CARTHAGE, TN, established in Oct. 26, 1929, midnight. As of 2025-12-31, the bank reported total assets of $831M and total deposits of $713M. Profitability stands at 1.92% ROA and 14.43% ROE, with a net interest margin of 3.90%. The bank's CET1 capital ratio is 13.56%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.44% and a Texas Ratio of 1.68%. FDIC Certificate #893.

Assets

$831M

Deposits

$713M

Loans

$452M

Equity

$113M

Profitability

Return on Assets (ROA) 1.92%
Return on Equity (ROE) 14.43%
Net Interest Margin (NIM) 3.90%
Yield on Assets 6.01%
Cost of Funds 2.25%

Asset Quality

NPL Ratio 0.44%
Net Charge-Off Ratio 0.03%
Texas Ratio 1.68%
NPA Ratio 0.24%
ACL / Loans 1.20%

Capital & Liquidity

CET1 Ratio 13.56%
Tier 1 Capital 13.56%
Total Capital Ratio 14.24%
Leverage Ratio 16.67%
Loan-to-Deposit 63.32%

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