BanksCITIZENS' BANK, INC.

CITIZENS' BANK, INC.

ROBERTSDALE, ALSmallEst. Sept. 8, 1981, midnightFDIC #23523RSSD #563336FDIC
Latest · 2025-12-31

CITIZENS' BANK, INC. is an 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%. CET1 capital ratio: 9.22%. NPL ratio: 0.30% · Texas Ratio: 1.71%. Operates 3 domestic branches.

Assets
$156M
Deposits
$140M
Loans
$87M
Equity
$14M

Profitability

Return on Assets (ROA)1.27%
Return on Equity (ROE)14.28%
Net Interest Margin3.75%
Yield on Assets5.28%
Cost of Funds1.57%

Asset Quality

NPL Ratio0.30%
Net Charge-Off Ratio0.01%
Texas Ratio1.71%
NPA Ratio0.17%
ACL / Loans1.05%

Capital & Liquidity

CET1 Ratio9.22%
Tier 1 Capital9.22%
Total Capital Ratio9.68%
Leverage Ratio10.56%
Loan-to-Deposit61.85%

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