Citizens' Bank, Inc.
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Data as of · sourced from FFIEC call reports. How we update
Citizens' Bank, Inc. is an FDIC-insured commercial bank headquartered in Robertsdale, AL, established in 1981 (FDIC certificate 23523), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $158.9M, up 1.7% from Q2 2025, the 70th largest of 93 banks headquartered in Alabama. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.00% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 23523
- Headquarters
- Robertsdale, AL
- Established
- 1981
- Total assets, Q2 2026
- $158.9M
- Assets vs Q2 2025
- +1.7%
- Tier 1 leverage ratio, Q2 2026
- 11.00%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 065103243
- Latest call report
- Q2 2026, FFIEC 051 · Citizens' Bank, Inc. call report
- Holding company
- CITIZENS' CAPITAL CORPORATION
- Asset rank in state
- 70th of 93 in Alabama
Little in Citizens' Bank, Inc.'s latest call report stands out. Based in Robertsdale, Alabama, it had $159 million in assets at June 30, 2026, up 1.7% 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.
Earnings jumped: net income for the quarter was $518,000, 103% above the same quarter a year earlier. Its $9.2 million commercial and industrial book is improving, with 0.53% past due or on nonaccrual, down from 4.01% a year earlier. One more trend to watch: loans and deposits moved in opposite directions: over the year loans rose 6.2% and deposits fell 0.2%.
As of June 30, 2026, Citizens' Bank, Inc. reported a return on assets of 1.28%, a nonperforming-loan ratio of 0.14% and a Texas ratio of 0.73%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Citizens' Bank, Inc. is the 70th largest of the 93 banks headquartered in Alabama. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.1% to $158.9M, loans rose 1.8% and deposits fell 0.4%. 1-4 family residential loans made up 41.5% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 16.1%. The FDIC Summary of Deposits lists 3 offices for it, in Robertsdale, AL, Fairhope, AL and Foley, AL; its Robertsdale office books 53% of its branch deposits. By the capital ratios in its Q2 2026 call report, Citizens' Bank, Inc. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 21980 Palmer Street, Robertsdale, AL 36567
- County
- Baldwin
- Metro Area
- Daphne-Fairhope-Foley, AL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 8, 1981
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 30
- Domestic deposits
- $143.1M
- Allowance for credit losses
- $946K
- Net charge-offs (YTD)
- $17K
- Average total assets
- $161.4M
- Average total loans
- $84.0M
- Average interest-bearing deposits
- $94.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 8, 1981
- FDIC Cert
- 23523
- Fed RSSD
- 563336
- Website
- WWW.CITIZENSBANKAL.COM →
- Parent Holding Company
- CITIZENS' CAPITAL CORPORATION (RSSD 1144040)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Citizens' Bank, Inc. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Citizens' Bank, Inc.'s total assets ran between $149.3M (Q3 2024) and $159.3M (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
$158.9M total assets against $156.3M; $143.8M total liabilities against $143.9M.
$84.6M net loans and leases against $79.6M; $143.1M total deposits against $143.4M.
$61.3M securities against $61.9M; $6.9M cash and balances due against $8.7M.
$2.0M total interest income against $1.8M; $492K total interest expense against $588K.
$1.5M net interest income against $1.2M.
$77K total noninterest income against $59K; $1.0M total noninterest expense against $996K.
$0 provision for credit losses against $30K.
$518K net income against $255K.
1.28% return on assets against 0.66%; 3.98% net interest margin against 3.41%.
11.00% tier 1 leverage ratio against 10.44%.
Inside the full Citizens' Bank, Inc. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCitizens' Bank, Inc. rankings
Its closest position to the top of a national ranking is 1,798 of 3,611, for ROA; its furthest is 2,842 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.49% (Q3 2024) to 1.28% (Q2 2026) and its net interest margin ran from 3.00% (Q3 2024) to 3.98% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.00% | 1.28% | 0.14% | 0.73% | 3.98% |
| Q1 2026 | 10.73% | 0.99% | 0.25% | 1.38% | 3.70% |
| Q4 2025 | 10.56% | 1.24% | 0.30% | 1.71% | 3.61% |
| Q3 2025 | 10.34% | 0.94% | 0.20% | 1.13% | 3.66% |
| Q2 2025 | 10.44% | 0.66% | 0.30% | 1.80% | 3.41% |
| Q1 2025 | 10.35% | 0.75% | 0.20% | 1.24% | 3.28% |
| Q4 2024 | 10.45% | 0.82% | 0.20% | 1.31% | 3.12% |
| Q3 2024 | 10.26% | 0.49% | 0.26% | 1.52% | 3.00% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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, Inc. (main office) | Robertsdale , AL | 36567 | $75.3M |
| Fairhope Branch | Fairhope , AL | 36532 | $37.0M |
| Foley Branch | Foley , AL | 36535 | $30.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in AL, rank 92 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $25K approved, $25K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1998 (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, Inc.
What are Citizens' Bank, Inc.'s total assets?
As of the Q2 2026 filing, Citizens' Bank, Inc. reported total assets of $158.9 million in its FFIEC call report.
Where is Citizens' Bank, Inc. headquartered?
It is headquartered in Robertsdale, AL, United States.
When was Citizens' Bank, Inc. founded?
It was established in 1981, per the FDIC institution directory.
Is Citizens' Bank, Inc. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #23523). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens' Bank, Inc.?
Citizens' Bank, Inc.'s primary federal regulator is the FDIC.
How many branches does Citizens' Bank, Inc. operate?
It operates 3 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, Inc.'s Texas Ratio?
Its Texas Ratio is 0.73% 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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