The Citizens Bank (Enterprise, AL)
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Data as of · sourced from FFIEC call reports. How we update
The Citizens Bank is an FDIC-insured commercial bank headquartered in Enterprise, AL, established in 1946 (FDIC certificate 16369), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $233.3M, down 5.7% from Q2 2025, the 57th largest of 93 banks headquartered in Alabama. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.56% 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
- 16369
- Headquarters
- Enterprise, AL
- Established
- 1946
- Total assets, Q2 2026
- $233.3M
- Assets vs Q2 2025
- -5.7%
- Tier 1 leverage ratio, Q2 2026
- 10.56%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 062105710
- Holding company
- ENTERPRISE CAPITAL CORPORATION, INC.
- Asset rank in state
- 57th of 93 in Alabama
The Citizens Bank, based in Enterprise, Alabama, reported $233 million in assets at June 30, 2026, down 5.7% from a year earlier. It lost 7.6% of its deposits over the year, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 4.0%).
Net income for the quarter rose 17% from a year earlier, to $784,000. Over the same year, loans shrank 1.3% and deposits shrank 7.6%.
As of June 30, 2026, The Citizens Bank reported a return on assets of 1.25%, a nonperforming-loan ratio of 0.42% and a Texas ratio of 2.77%. The figures come from its call report filed with the FFIEC.
Of the 93 banks headquartered in Alabama, The Citizens Bank is the 57th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 6.9% to $233.3M, loans fell 4.3% and deposits rose 1.2%. 1-4 family residential loans made up 42.0% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 18.7%. The FDIC Summary of Deposits lists 2 offices for it, in Enterprise, AL and Fairhope, AL; its Enterprise office books 76% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Citizens Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 301 S Edwards St, Enterprise, AL 36330
- County
- Coffee
- Metro Area
- Enterprise, 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
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- February 5, 1946
- Former names
- The Citizens Bank (1972)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 31
- Domestic deposits
- $209.8M
- Allowance for credit losses
- $1.8M
- Net charge-offs (YTD)
- $0
- Average total assets
- $251.4M
- Average total loans
- $168.9M
- Average interest-bearing deposits
- $148.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 5, 1946
- FDIC Cert
- 16369
- Fed RSSD
- 374130
- Website
- www.tcbenterprise.com →
- Parent Holding Company
- ENTERPRISE CAPITAL CORPORATION, INC. (RSSD 1080737)
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 reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Citizens Bank's total assets ranged from $223.5M (Q4 2024) to $250.7M (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
$233.3M total assets against $247.4M; $210.5M total liabilities against $228.0M.
$162.4M net loans and leases against $164.7M; $209.8M total deposits against $227.1M.
$36.4M securities against $38.6M; $25.6M cash and balances due against $34.9M.
$3.4M total interest income against $3.3M; $1.2M total interest expense against $1.2M.
$2.2M net interest income against $2.2M.
$197K total noninterest income against $175K; $1.5M total noninterest expense against $1.4M.
-$126K provision for credit losses against $42K.
$784K net income against $671K.
1.25% return on assets against 1.09%; 3.70% net interest margin against 3.68%.
10.56% tier 1 leverage ratio against 9.71%.
Inside the full The Citizens Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Citizens Bank rankings
Its closest position to the top of a national ranking is 1,899 of 3,611, for ROA; its furthest is 2,782 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.70% (Q1 2025) to 1.25% (Q2 2026) and its net interest margin ran from 3.23% (Q3 2024) to 3.70% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.56% | 1.25% | 0.42% | 2.77% | 3.70% |
| Q1 2026 | 10.43% | 0.92% | 0.34% | 2.41% | 3.70% |
| Q4 2025 | 10.01% | 1.14% | 0.44% | 3.27% | 3.70% |
| Q3 2025 | 9.69% | 1.03% | 0.35% | 2.96% | 3.61% |
| Q2 2025 | 9.71% | 1.09% | 0.59% | 4.66% | 3.68% |
| Q1 2025 | 10.14% | 0.70% | 0.04% | 1.70% | 3.56% |
| Q4 2024 | 9.84% | 0.89% | 0.24% | 1.96% | 3.41% |
| Q3 2024 | 9.25% | 0.82% | 0.04% | 0.29% | 3.23% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| The Citizens Bank | Enterprise , AL | 36330 | $158.9M |
| Fairhope Branch | Fairhope , AL | 36532 | $50.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in AL, rank 78 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 36 applications, 33 loans originated, $11.7M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $70K approved, $70K 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, 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
What are The Citizens Bank's total assets?
As of the Q2 2026 filing, The Citizens Bank reported total assets of $233.3 million in its FFIEC call report.
Where is The Citizens Bank headquartered?
It is headquartered in Enterprise, AL, United States.
When was The Citizens Bank founded?
It was established in 1946, per the FDIC institution directory.
Is The Citizens Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16369). 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?
The Citizens Bank's primary federal regulator is the FDIC.
How many branches does The Citizens Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Citizens Bank's Texas Ratio?
Its Texas Ratio is 2.77% 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.
What was The Citizens Bank previously called?
The charter now named The Citizens Bank has also operated as The Citizens Bank (1972), per FDIC structure-change records.
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