CITIZENS BANK

MOORESVILLE, IN | Medium | Est. Feb. 18, 1931, midnight | FDIC #9647 | RSSD #44741 | FDIC
Latest Report: 2025-12-31

CITIZENS BANK is amn medium FDIC-insured commercial bank headquartered in MOORESVILLE, IN, established in Feb. 18, 1931, midnight. As of 2025-12-31, the bank reported total assets of $696M and total deposits of $627M. Profitability stands at 0.97% ROA and 10.41% ROE, with a net interest margin of 3.62%. The bank's CET1 capital ratio is 12.73%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.02% and a Texas Ratio of 0.16%. FDIC Certificate #9647.

Assets

$696M

Deposits

$627M

Loans

$460M

Equity

$66M

Profitability

Return on Assets (ROA) 0.97%
Return on Equity (ROE) 10.41%
Net Interest Margin (NIM) 3.62%
Yield on Assets 5.35%
Cost of Funds 1.76%

Asset Quality

NPL Ratio 0.02%
Net Charge-Off Ratio 0.02%
Texas Ratio 0.16%
NPA Ratio 0.02%
ACL / Loans 1.29%

Capital & Liquidity

CET1 Ratio 12.73%
Tier 1 Capital 12.73%
Total Capital Ratio 13.83%
Leverage Ratio 9.80%
Loan-to-Deposit 73.33%

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