CITIZENS' BANK, INC.

ROBERTSDALE, AL | Small | Est. Sept. 8, 1981, midnight | FDIC #23523 | RSSD #563336 | FDIC
Latest Report: 2025-12-31

CITIZENS' BANK, INC. is asn small FDIC-insured commercial bank headquartered in ROBERTSDALE, AL, established in Sept. 8, 1981, midnight. As of 2025-12-31, the bank reported total assets of $156M and total deposits of $140M. Profitability stands at 1.27% ROA and 14.28% ROE, with a net interest margin of 3.75%. The bank's CET1 capital ratio is 9.22%. Asset quality metrics show a non-performing loan ratio of 0.30% and a Texas Ratio of 1.71%. FDIC Certificate #23523.

Assets

$156M

Deposits

$140M

Loans

$87M

Equity

$14M

Profitability

Return on Assets (ROA) 1.27%
Return on Equity (ROE) 14.28%
Net Interest Margin (NIM) 3.75%
Yield on Assets 5.28%
Cost of Funds 1.57%

Asset Quality

NPL Ratio 0.30%
Net Charge-Off Ratio 0.01%
Texas Ratio 1.71%
NPA Ratio 0.17%
ACL / Loans 1.05%

Capital & Liquidity

CET1 Ratio 9.22%
Tier 1 Capital 9.22%
Total Capital Ratio 9.68%
Leverage Ratio 10.56%
Loan-to-Deposit 61.85%

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