CITIZENS BANK

CORVALLIS, OR | Medium | Est. Oct. 5, 1957, midnight | FDIC #17809 | RSSD #98463 | FDIC
Latest Report: 2025-12-31

CITIZENS BANK is amn medium FDIC-insured commercial bank headquartered in CORVALLIS, OR, established in Oct. 5, 1957, midnight. As of 2025-12-31, the bank reported total assets of $832M and total deposits of $706M. Profitability stands at 0.48% ROA and 4.64% ROE, with a net interest margin of 3.59%. The bank's CET1 capital ratio is 22.62%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.25% and a Texas Ratio of 0.99%. FDIC Certificate #17809.

Assets

$832M

Deposits

$706M

Loans

$364M

Equity

$88M

Profitability

Return on Assets (ROA) 0.48%
Return on Equity (ROE) 4.64%
Net Interest Margin (NIM) 3.59%
Yield on Assets 4.19%
Cost of Funds 0.65%

Asset Quality

NPL Ratio 0.25%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.99%
NPA Ratio 0.11%
ACL / Loans 1.70%

Capital & Liquidity

CET1 Ratio 22.62%
Tier 1 Capital 22.62%
Total Capital Ratio 23.87%
Leverage Ratio 13.17%
Loan-to-Deposit 51.64%

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