CITIZENS BANK, THE

BATESVILLE, AR | Large | Est. April 24, 1953, midnight | FDIC #17211 | RSSD #856748 | FED
Latest Report: 2025-12-31

CITIZENS BANK, THE is aln large FDIC-insured commercial bank headquartered in BATESVILLE, AR, established in April 24, 1953, midnight. As of 2025-12-31, the bank reported total assets of $1.6B and total deposits of $1.5B. Profitability stands at 1.04% ROA and 12.47% ROE, with a net interest margin of 3.76%. The bank's CET1 capital ratio is 9.92%. Asset quality metrics show a non-performing loan ratio of 0.32% and a Texas Ratio of 2.70%. FDIC Certificate #17211.

Assets

$1.6B

Deposits

$1.5B

Loans

$1.3B

Equity

$135M

Profitability

Return on Assets (ROA) 1.04%
Return on Equity (ROE) 12.47%
Net Interest Margin (NIM) 3.76%
Yield on Assets 6.17%
Cost of Funds 2.95%

Asset Quality

NPL Ratio 0.32%
Net Charge-Off Ratio 0.18%
Texas Ratio 2.70%
NPA Ratio 0.26%
ACL / Loans 1.40%

Capital & Liquidity

CET1 Ratio 9.92%
Tier 1 Capital 9.92%
Total Capital Ratio 11.18%
Leverage Ratio 8.48%
Loan-to-Deposit 87.23%

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