BanksCITIZENS BANK, THE

CITIZENS BANK, THE

ENTERPRISE, ALSmallEst. Feb. 5, 1946, midnightFDIC #16369RSSD #374130FDIC
Latest · 2025-12-31

CITIZENS BANK, THE is an 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%. CET1 capital ratio: 8.98%. NPL ratio: 0.41% · Texas Ratio: 3.06%. Operates 2 domestic branches.

Assets
$242M
Deposits
$191M
Loans
$175M
Equity
$22M

Profitability

Return on Assets (ROA)1.18%
Return on Equity (ROE)13.53%
Net Interest Margin3.96%
Yield on Assets6.21%
Cost of Funds2.21%

Asset Quality

NPL Ratio0.41%
Net Charge-Off Ratio0.02%
Texas Ratio3.06%
NPA Ratio0.30%
ACL / Loans1.00%

Capital & Liquidity

CET1 Ratio8.98%
Tier 1 Capital8.98%
Total Capital Ratio9.43%
Leverage Ratio10.01%
Loan-to-Deposit91.75%

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