CITIZENS BANK, THE

ENTERPRISE, AL | Small | Est. Feb. 5, 1946, midnight | FDIC #16369 | RSSD #374130 | FDIC
Latest Report: 2025-12-31

CITIZENS BANK, THE is asn small FDIC-insured commercial bank headquartered in ENTERPRISE, AL, established in Feb. 5, 1946, midnight. As of 2025-12-31, the bank reported total assets of $242M and total deposits of $191M. Profitability stands at 1.18% ROA and 13.53% ROE, with a net interest margin of 3.96%. The bank's CET1 capital ratio is 8.98%. Asset quality metrics show a non-performing loan ratio of 0.41% and a Texas Ratio of 3.06%. FDIC Certificate #16369.

Assets

$242M

Deposits

$191M

Loans

$175M

Equity

$22M

Profitability

Return on Assets (ROA) 1.18%
Return on Equity (ROE) 13.53%
Net Interest Margin (NIM) 3.96%
Yield on Assets 6.21%
Cost of Funds 2.21%

Asset Quality

NPL Ratio 0.41%
Net Charge-Off Ratio 0.02%
Texas Ratio 3.06%
NPA Ratio 0.30%
ACL / Loans 1.00%

Capital & Liquidity

CET1 Ratio 8.98%
Tier 1 Capital 8.98%
Total Capital Ratio 9.43%
Leverage Ratio 10.01%
Loan-to-Deposit 91.75%

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