Citizens Bank (Mooresville, IN)
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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 Mooresville, IN, established in 1931 (FDIC certificate 9647), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $690.6M, up 4.1% from Q2 2025, the 30th largest of 87 banks headquartered in Indiana. Its CET1 capital ratio was 12.51% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9647
- Headquarters
- Mooresville, IN
- Established
- 1931
- Total assets, Q2 2026
- $690.6M
- Assets vs Q2 2025
- +4.1%
- CET1 ratio, Q2 2026
- 12.51%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 074905225
- Holding company
- CITBA FINANCIAL CORPORATION
- Asset rank in state
- 30th of 87 in Indiana
Little in Citizens Bank's latest call report stands out. It reported $691 million in assets at June 30, 2026, up 4.1% from a year earlier. On most measures it sits near the middle of the 2,660 banks with $100 million to $1 billion in assets.
Net income for the quarter rose 16% from a year earlier, to $1.7 million. Paper losses on its bond portfolio are shrinking: unrealized losses of $4.1 million equal 6% of Tier 1 capital, down from 12% a year earlier. Where it has less room is capital: it holds common equity equal to 12.51% of its risk-weighted assets, lower than about three-quarters of banks its size (median 15.12%).
As of June 30, 2026, Citizens Bank reported a CET1 capital ratio of 12.51%, a return on assets of 0.97%, a nonperforming-loan ratio of 0.09% and a Texas ratio of 0.58%. The figures come from its call report filed with the FFIEC.
Citizens Bank ranks as the 30th largest of the 87 banks based in Indiana, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.3% to $690.6M, loans rose 2.3% and deposits fell 1.8%. 1-4 family residential loans made up 28.2% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 24.5%. Its 9 offices in the FDIC Summary of Deposits are in 9 cities in IN; its Mooresville office books 40% of its branch deposits. By the capital ratios in its Q2 2026 call report, Citizens Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 33 N Indiana St, Mooresville, IN 46158
- County
- Morgan
- Metro Area
- Indianapolis-Carmel-Greenwood, IN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- February 18, 1931
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 122
- Domestic deposits
- $622.8M
- Allowance for credit losses
- $5.9M
- Net charge-offs (YTD)
- $54K
- Average total assets
- $697.6M
- Average total loans
- $462.0M
- Average interest-bearing deposits
- $490.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9647
- Fed RSSD
- 44741
- Website
- www.citizens-banking.com →
- Parent Holding Company
- CITBA FINANCIAL CORPORATION (RSSD 1207208)
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
Over the 12 quarters to Q2 2026, Citizens Bank's total assets ran between $624.2M (Q3 2023) and $699.7M (Q1 2026), 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
$690.6M total assets against $663.3M; $625.7M total liabilities against $603.2M.
$461.8M net loans and leases against $443.3M; $622.8M total deposits against $601.1M.
$184.9M securities against $175.4M; $22.5M cash and balances due against $22.7M.
$8.6M total interest income against $7.9M; $2.6M total interest expense against $2.4M.
$6.0M net interest income against $5.4M.
$905K total noninterest income against $978K; $4.8M total noninterest expense against $4.7M.
$124K provision for credit losses against $118K.
$1.7M net income against $1.4M.
0.97% return on assets against 0.88%; 3.68% net interest margin against 3.57%.
12.51% CET1 capital ratio against 12.48%; 9.78% tier 1 leverage ratio against 10.11%.
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.
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 1,375 of 4,196, for total assets; its furthest is 2,911 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.51% (Q4 2024) to 1.27% (Q1 2025) and its net interest margin ran from 3.26% (Q3 2024) to 3.68% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.51% | 0.97% | 0.09% | 0.58% | 3.68% |
| Q1 2026 | 12.55% | 0.98% | 0.05% | 0.32% | 3.49% |
| Q4 2025 | 12.73% | 0.97% | 0.02% | 0.16% | 3.54% |
| Q3 2025 | 13.04% | 0.91% | 0.02% | 0.13% | 3.44% |
| Q2 2025 | 12.48% | 0.88% | 0.02% | 0.15% | 3.57% |
| Q1 2025 | 12.42% | 1.27% | 0.02% | 0.14% | 3.55% |
| Q4 2024 | 12.58% | 0.51% | 0.03% | 0.19% | 3.37% |
| Q3 2024 | 13.27% | 0.72% | 0.03% | 0.20% | 3.26% |
Swipe the table sideways to see every column.
Branch Network
View all 9 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) | Mooresville , IN | 46158 | $250.7M |
| Eminence Branch | Eminence , IN | 46125 | $90.4M |
| Monrovia Branch | Monrovia , IN | 46157 | $60.1M |
| Plainfield Branch | Plainfield , IN | 46168 | $46.4M |
| Morton Ave Branch | Martinsville , IN | 46151 | $43.5M |
| County Line Branch | Indianapolis , IN | 46227 | $38.8M |
| Avon Branch | Avon , IN | 46123 | $38.7M |
| Stones Crossing Branch | Greenwood , IN | 46143 | $29.3M |
| Heartland Crossing Branch | Camby , IN | 46113 | $24.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in IN, rank 46 of 129 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 187 applications, 145 loans originated, $51.8M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $2.7M approved, $2.7M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 $690.6 million in its FFIEC call report.
Where is Citizens Bank headquartered?
It is headquartered in Mooresville, IN, United States.
When was Citizens Bank founded?
It was established in 1931, per the FDIC institution directory.
Is Citizens Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9647). 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 12.51% in its Q2 2026 call report, above regulatory requirements.
How many branches does Citizens Bank operate?
It operates 9 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 0.58% 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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