Citizens' Bank, Inc.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 351.20 percentage points in Q2 2026, from 457.35% to 808.55%. It was the largest change from Q1 2026 among the key lines here. Within Alabama, Citizens' Bank, Inc. is 34th of 93 on return on assets, 1.28% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets; Citizens' Bank, Inc. reported 1.28% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.00% |
| Equity capital to assets | 9.47% |
| Tangible equity to tangible assets | 9.47% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.14% |
| Non-performing assets ratio | 0.07% |
| Net charge-off ratio | 0.09% |
| Texas ratio | 0.73% |
| Allowance for credit losses to loans | 1.11% |
| Reserve coverage of non-performing loans | 808.55% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.28% |
| Return on equity | 14.11% |
| Net interest margin | 3.98% |
| Efficiency ratio | 62.62% |
| Yield on earning assets | 5.25% |
| Cost of funds | 1.36% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 59.78% |
| Core deposits to total deposits | 93.20% |
| Brokered deposits to total deposits | 7.76% |
| Deposits to assets | 90.06% |
| Securities to assets | 38.58% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.87% | 0.33% | 2.88% | 0.04% | -0.01% |
| Q4 2023 | 9.66% | 0.55% | 2.85% | 0.45% | 0.07% |
| Q1 2024 | 9.69% | 0.22% | 2.80% | 0.18% | 0.02% |
| Q2 2024 | 10.06% | 0.44% | 3.09% | 0.16% | 0.01% |
| Q3 2024 | 10.26% | 0.49% | 3.00% | 0.26% | 0.26% |
| Q4 2024 | 10.45% | 0.82% | 3.12% | 0.20% | 0.01% |
| Q1 2025 | 10.35% | 0.75% | 3.28% | 0.20% | 0.00% |
| Q2 2025 | 10.44% | 0.66% | 3.41% | 0.30% | 0.01% |
| Q3 2025 | 10.34% | 0.94% | 3.66% | 0.20% | 0.03% |
| Q4 2025 | 10.56% | 1.24% | 3.61% | 0.30% | -0.00% |
| Q1 2026 | 10.73% | 0.99% | 3.70% | 0.25% | -0.00% |
| Q2 2026 | 11.00% | 1.28% | 3.98% | 0.14% | 0.09% |
Citizens' Bank, Inc. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens' Bank, Inc., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Citizens' Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23523) · FFIEC NIC profile (RSSD 563336)