CITIZENS BANK

BUTLER, MO | Small | Est. Jan. 4, 1926, midnight | FDIC #22601 | RSSD #97457 | FDIC
Latest Report: 2025-12-31

CITIZENS BANK is asn small FDIC-insured commercial bank headquartered in BUTLER, MO, established in Jan. 4, 1926, midnight. As of 2025-12-31, the bank reported total assets of $184M and total deposits of $165M. Profitability stands at 2.73% ROA and 31.48% ROE, with a net interest margin of 6.72%. The bank's CET1 capital ratio is 10.08%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.10% and a Texas Ratio of 1.30%. FDIC Certificate #22601.

Assets

$184M

Deposits

$165M

Loans

$164M

Equity

$15M

Profitability

Return on Assets (ROA) 2.73%
Return on Equity (ROE) 31.48%
Net Interest Margin (NIM) 6.72%
Yield on Assets 7.90%
Cost of Funds 1.20%

Asset Quality

NPL Ratio 0.10%
Net Charge-Off Ratio 0.04%
Texas Ratio 1.30%
NPA Ratio 0.12%
ACL / Loans 1.09%

Capital & Liquidity

CET1 Ratio 10.08%
Tier 1 Capital 10.08%
Total Capital Ratio 11.27%
Leverage Ratio 8.22%
Loan-to-Deposit 99.28%

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