The Citizens Bank of Winfield
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Data as of · sourced from FFIEC call reports. How we update
The Citizens Bank of Winfield is an FDIC-insured commercial bank headquartered in Winfield, AL, established in 1920 (FDIC certificate 52), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $301.3M, up 11.0% from Q2 2025, the 50th largest of 93 banks headquartered in Alabama. It reports no CET1 ratio; its Tier 1 leverage ratio was 17.51% 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
- 52
- Headquarters
- Winfield, AL
- Established
- 1920
- Total assets, Q2 2026
- $301.3M
- Assets vs Q2 2025
- +11.0%
- Tier 1 leverage ratio, Q2 2026
- 17.51%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 062204938
- Latest call report
- Q2 2026, FFIEC 051 · The Citizens Bank of Winfield Q3 2026 call report, filed October 27, 2026 (preliminary)
- Holding company
- CITIZENS BANCORP OF WINFIELD, INC.
- Asset rank in state
- 50th of 93 in Alabama
The Citizens Bank of Winfield spends more to run itself than most banks of its size. Its balance sheet stood at $301 million at June 30, 2026, up 11.0% from a year earlier; it is based in Winfield, Alabama. It earns about $0.33 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 2.52 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
Paper losses on its bond portfolio are shrinking: unrealized losses of $41 million equal 70% of Tier 1 capital, down from 81% a year earlier. Loans are outrunning deposits: over the year loans rose 21.7% and deposits rose 7.3%. Funding is the softer spot: it pays an average of 2.99% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
As of June 30, 2026, The Citizens Bank of Winfield reported a return on assets of 0.33%, a nonperforming-loan ratio of 0.26% and a Texas ratio of 2.11%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Citizens Bank of Winfield is the 50th largest of the 93 banks headquartered in Alabama. Between Q1 2026 and Q2 2026, its total assets rose 2.7% to $301.3M, loans fell 0.3% and deposits fell 1.9%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 33.8% of total loans, ahead of commercial and industrial loans at 15.0%. Its one office in the FDIC Summary of Deposits is in Winfield, AL. By the capital ratios in its Q2 2026 call report, The Citizens Bank of Winfield meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 236 Bankhead Hwy, Winfield, AL 35594
- County
- Marion
- 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
- May 22, 1920
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 35
- Domestic deposits
- $215.2M
- Allowance for credit losses
- $1.2M
- Net charge-offs (YTD)
- $267K
- Average total assets
- $334.3M
- Average total loans
- $114.5M
- Average interest-bearing deposits
- $193.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 52
- Fed RSSD
- 293437
- Website
- http://www.cbwinfield.com →
- Parent Holding Company
- CITIZENS BANCORP OF WINFIELD, INC. (RSSD 1833616)
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, The Citizens Bank of Winfield reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The Citizens Bank of Winfield's total assets moved between a low of $271.0M (Q4 2024) and a high of $339.3M (Q4 2023) from Q3 2023 to Q2 2026, and it earned a profit in 8 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$301.3M total assets against $271.5M; $271.9M total liabilities against $249.2M.
$112.3M net loans and leases against $92.2M; $215.2M total deposits against $200.5M.
$144.3M securities against $135.9M; $13.6M cash and balances due against $12.2M.
$3.8M total interest income against $3.4M; $2.0M total interest expense against $1.9M.
$1.9M net interest income against $1.4M.
$278K total noninterest income against $434K; $1.4M total noninterest expense against $1.3M.
$276K provision for credit losses against $77K.
$278K net income against $394K.
0.33% return on assets against 0.51%; 2.52% net interest margin against 2.07%.
17.51% tier 1 leverage ratio against 18.43%.
Inside the full The Citizens Bank of Winfield terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Citizens Bank of Winfield rankings
Its closest position to the top of a national ranking is 2,451 of 4,196, for total assets; its furthest is 3,381 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -1.51% (Q4 2024) to 0.53% (Q3 2025) and its net interest margin ran from 1.06% (Q3 2024) to 2.52% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.51% | 0.33% | 0.26% | 2.11% | 2.52% |
| Q1 2026 | 17.48% | 0.43% | 0.05% | 0.26% | 2.45% |
| Q4 2025 | 17.69% | 0.45% | 0.21% | 0.88% | 2.40% |
| Q3 2025 | 18.00% | 0.53% | 0.11% | 0.43% | 2.37% |
| Q2 2025 | 18.43% | 0.51% | 0.07% | 0.28% | 2.07% |
| Q1 2025 | 18.34% | 0.21% | 1.01% | 3.91% | 1.86% |
| Q4 2024 | 16.44% | -1.51% | 0.12% | 1.16% | 1.44% |
| Q3 2024 | 16.58% | -0.28% | 0.15% | 0.76% | 1.06% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| The Citizens Bank of Winfield | Winfield , AL | 35594 | $215.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in AL, rank 77 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $115K approved, $58K average. 50.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1996 (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 The Citizens Bank of Winfield
What are The Citizens Bank of Winfield's total assets?
As of the Q2 2026 filing, The Citizens Bank of Winfield reported total assets of $301.3 million in its FFIEC call report.
Where is The Citizens Bank of Winfield headquartered?
It is headquartered in Winfield, AL, United States.
When was The Citizens Bank of Winfield founded?
It was established in 1920, per the FDIC institution directory.
Is The Citizens Bank of Winfield FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #52). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Citizens Bank of Winfield?
The Citizens Bank of Winfield's primary federal regulator is the FDIC.
How many branches does The Citizens Bank of Winfield operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Citizens Bank of Winfield's Texas Ratio?
Its Texas Ratio is 2.11% 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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