CITIZENS BANK, THE

GREENSBORO, AL | Small | Est. Nov. 1, 1976, midnight | FDIC #22358 | RSSD #571135 | FDIC
Latest Report: 2025-12-31

CITIZENS BANK, THE is asn small FDIC-insured commercial bank headquartered in GREENSBORO, AL, established in Nov. 1, 1976, midnight. As of 2025-12-31, the bank reported total assets of $131M and total deposits of $118M. Profitability stands at 0.68% ROA and 7.14% ROE, with a net interest margin of 3.15%. The bank's CET1 capital ratio is 24.56%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.63% and a Texas Ratio of 1.96%. FDIC Certificate #22358.

Assets

$131M

Deposits

$118M

Loans

$40M

Equity

$12M

Profitability

Return on Assets (ROA) 0.68%
Return on Equity (ROE) 7.14%
Net Interest Margin (NIM) 3.15%
Yield on Assets 4.67%
Cost of Funds 1.55%

Asset Quality

NPL Ratio 0.63%
Net Charge-Off Ratio 0.06%
Texas Ratio 1.96%
NPA Ratio 0.19%
ACL / Loans 1.23%

Capital & Liquidity

CET1 Ratio 24.56%
Tier 1 Capital 24.56%
Total Capital Ratio 25.58%
Leverage Ratio 11.80%
Loan-to-Deposit 33.89%

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