Citizens Bank (New Haven, MO)
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Data as of · sourced from FFIEC call reports. How we update
Citizens Bank is an FDIC-insured commercial bank headquartered in New Haven, MO, established in 1934 (FDIC certificate 14488), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $357.4M, up 1.5% from Q2 2025, the 87th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 15.12% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 14488
- Headquarters
- New Haven, MO
- Established
- 1934
- Total assets, Q2 2026
- $357.4M
- Assets vs Q2 2025
- +1.5%
- CET1 ratio, Q2 2026
- 15.12%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 081905593
- Holding company
- CITIZENS FINANCIAL GROUP, INC.
- Asset rank in state
- 87th of 191 in Missouri
Problem loans are rising at Citizens Bank. It reported $357 million in assets at June 30, 2026, up 1.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.95% of loans from 2.25% a year earlier. It holds commercial real estate loans worth 3.0 times its capital, 2.5 times the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 17.5% of the capital and reserves that would absorb them, 6.6 times the median of 2.6% for banks its size.
Net income for the quarter rose 25% from a year earlier, to $1.2 million. Over the same year, loans shrank 2.7% and deposits grew 0.5%.
As of June 30, 2026, Citizens Bank reported a CET1 capital ratio of 15.12%, a return on assets of 1.32%, a nonperforming-loan ratio of 2.95% and a Texas ratio of 17.53%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Citizens Bank is the 87th largest of the 191 banks headquartered in Missouri. From Q1 2026 to Q2 2026, its total assets fell 1.4% to $357.4M, loans fell 0.7% and deposits fell 1.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 32.9% of total loans, ahead of non-owner-occupied commercial real estate loans at 24.5%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in MO; its New Haven office books 39% of its branch deposits. On its Q2 2026 call report, Citizens Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 100 Circle Dr, New Haven, MO 63068
- County
- Franklin
- Metro Area
- St. Louis, MO-IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1934
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 62
- Domestic deposits
- $305.4M
- Allowance for credit losses
- $5.1M
- Net charge-offs (YTD)
- $6K
- Average total assets
- $365.3M
- Average total loans
- $313.9M
- Average interest-bearing deposits
- $229.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 19, 1934
- FDIC Cert
- 14488
- Fed RSSD
- 1001853
- Website
- www.citizensbankmo.bank →
- Parent Holding Company
- CITIZENS FINANCIAL GROUP, INC. (RSSD 1099784)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Citizens Bank's total assets ranged from $318.8M (Q2 2024) to $363.9M (Q3 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$357.4M total assets against $352.1M; $309.7M total liabilities against $308.2M.
$308.9M net loans and leases against $317.6M; $305.4M total deposits against $303.9M.
$7.7M securities against $8.2M; $28.4M cash and balances due against $14.2M.
$5.1M total interest income against $5.0M; $1.5M total interest expense against $1.6M.
$3.6M net interest income against $3.4M.
$273K total noninterest income against $236K; $2.3M total noninterest expense against $2.3M.
$10K provision for credit losses against $141K.
$1.2M net income against $966K.
1.32% return on assets against 1.14%; 4.19% net interest margin against 4.16%.
15.12% CET1 capital ratio against 13.28%; 13.10% tier 1 leverage ratio against 12.98%.
Inside the full Citizens Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Citizens Bank rankings
Its closest position to the top of a national ranking is 233 of 3,640, for Texas Ratio; its furthest is 2,207 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.87% (Q4 2024) to 1.32% (Q2 2026) and its net interest margin ran from 4.01% (Q3 2024) to 4.24% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.12% | 1.32% | 2.95% | 17.53% | 4.19% |
| Q1 2026 | 14.83% | 1.31% | 2.36% | 14.37% | 4.03% |
| Q4 2025 | 14.27% | 1.10% | 2.33% | 14.53% | 4.15% |
| Q3 2025 | 13.58% | 1.21% | 2.24% | 14.45% | 4.24% |
| Q2 2025 | 13.28% | 1.14% | 2.25% | 14.78% | 4.16% |
| Q1 2025 | 13.53% | 1.14% | 1.41% | 8.87% | 4.03% |
| Q4 2024 | 13.32% | 0.87% | 1.45% | 9.14% | 4.08% |
| Q3 2024 | 12.63% | 0.97% | 1.46% | 9.37% | 4.01% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Citizens Bank (main office) | New Haven , MO | 63068 | $119.3M |
| Washington Branch | Washington , MO | 63090 | $87.1M |
| West Osage Branch | Pacific , MO | 63069 | $59.7M |
| Gerald Branch | Gerald , MO | 63037 | $39.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in MO, rank 111 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $398K approved, $199K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Citizens Bank
What are Citizens Bank's total assets?
As of the Q2 2026 filing, Citizens Bank reported total assets of $357.4 million in its FFIEC call report.
Where is Citizens Bank headquartered?
It is headquartered in New Haven, MO, United States.
When was Citizens Bank founded?
It was established in 1934, per the FDIC institution directory.
Is Citizens Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14488). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Bank?
Citizens Bank's primary federal regulator is the FDIC.
What is Citizens Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.12% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Citizens Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens Bank's Texas Ratio?
Its Texas Ratio is 17.53% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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