The Citizens Bank of Winfield: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 330.80 percentage points higher than in Q1 2026, at 442.54%. On return on assets, The Citizens Bank of Winfield is 10th from the bottom among 93 Alabama banks, 0.33% (Q2 2026). The Citizens Bank of Winfield's return on assets of 0.33% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.92 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 17.51% |
| Equity capital to assets | 9.75% |
| Tangible equity to tangible assets | 9.75% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.24% |
| Non-performing assets ratio | 0.21% |
| Net charge-off ratio | 0.53% |
| Texas ratio | 2.76% |
| Allowance for credit losses to loans | 1.05% |
| Reserve coverage of non-performing loans | 442.54% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.33% |
| Return on equity | 3.96% |
| Net interest margin | 2.52% |
| Efficiency ratio | 64.50% |
| Yield on earning assets | 5.07% |
| Cost of funds | 2.99% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 52.72% |
| Core deposits to total deposits | 71.53% |
| Brokered deposits to total deposits | 1.82% |
| Deposits to assets | 71.43% |
| Securities to assets | 47.89% |
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 | 16.09% | 0.01% | 1.13% | 1.32% | 0.40% |
| Q4 2023 | 15.53% | 0.04% | 1.18% | 1.40% | 0.61% |
| Q1 2024 | 16.04% | -0.13% | 0.94% | 1.28% | 0.25% |
| Q2 2024 | 16.39% | -0.20% | 1.07% | 1.22% | 0.41% |
| Q3 2024 | 16.58% | -0.28% | 1.06% | 1.26% | 0.82% |
| Q4 2024 | 16.44% | -1.51% | 1.44% | 1.11% | 0.79% |
| Q1 2025 | 18.34% | 0.21% | 1.86% | 2.17% | 0.29% |
| Q2 2025 | 18.43% | 0.51% | 2.07% | 2.08% | 0.31% |
| Q3 2025 | 18.00% | 0.53% | 2.37% | 1.03% | 0.58% |
| Q4 2025 | 17.69% | 0.45% | 2.40% | 0.96% | 0.99% |
| Q1 2026 | 17.48% | 0.43% | 2.45% | 0.84% | 0.40% |
| Q2 2026 | 17.51% | 0.33% | 2.52% | 0.24% | 0.53% |
The Citizens Bank of Winfield vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens Bank of Winfield, 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 The Citizens Bank of Winfield profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 52) · FFIEC NIC profile (RSSD 293437)