BanksCITIZENS BANK, THE

CITIZENS BANK, THE

GREENSBORO, ALSmallEst. Nov. 1, 1976, midnightFDIC #22358RSSD #571135FDIC
Latest · 2025-12-31

CITIZENS BANK, THE is an 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%. CET1 capital ratio: 24.56%, well above regulatory minimums. NPL ratio: 0.63% · Texas Ratio: 1.96%. Operates 1 domestic branch.

Assets
$131M
Deposits
$118M
Loans
$40M
Equity
$12M

Profitability

Return on Assets (ROA)0.68%
Return on Equity (ROE)7.14%
Net Interest Margin3.15%
Yield on Assets4.67%
Cost of Funds1.55%

Asset Quality

NPL Ratio0.63%
Net Charge-Off Ratio0.06%
Texas Ratio1.96%
NPA Ratio0.19%
ACL / Loans1.23%

Capital & Liquidity

CET1 Ratio24.56%
Tier 1 Capital24.56%
Total Capital Ratio25.58%
Leverage Ratio11.80%
Loan-to-Deposit33.89%

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