The Citizens Bank: 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: 52.63 percentage points lower than in Q1 2026, at 254.28%. The Citizens Bank ranks 38th of 93 Alabama banks on return on assets, in the upper half at 1.25% (Q2 2026). At 1.25%, The Citizens Bank's return on assets is close to the 1.25% median for banks in the $100M-1B asset tier (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 | 10.56% |
| Equity capital to assets | 9.80% |
| Tangible equity to tangible assets | 9.80% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.42% |
| Non-performing assets ratio | 0.30% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 2.80% |
| Allowance for credit losses to loans | 1.07% |
| Reserve coverage of non-performing loans | 254.28% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.25% |
| Return on equity | 13.95% |
| Net interest margin | 3.70% |
| Efficiency ratio | 62.30% |
| Yield on earning assets | 5.64% |
| Cost of funds | 2.10% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.27% |
| Core deposits to total deposits | 84.48% |
| Brokered deposits to total deposits | 3.83% |
| Deposits to assets | 89.91% |
| Securities to assets | 15.58% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.28% | 12.28% | 13.35% | 8.66% | 0.70% |
| Q4 2023 | 12.35% | 12.35% | 13.50% | 8.43% | 0.69% |
| Q1 2024 | 12.41% | 12.41% | 13.54% | 8.53% | 0.82% |
| Q2 2024 | 13.03% | 13.03% | 14.12% | 8.80% | 0.51% |
| Q3 2024 | 14.01% | 14.01% | 15.15% | 9.25% | 0.82% |
| Q4 2024 | — | — | — | 9.84% | 0.89% |
| Q1 2025 | — | — | — | 10.14% | 0.70% |
| Q2 2025 | — | — | — | 9.71% | 1.09% |
| Q3 2025 | — | — | — | 9.69% | 1.03% |
| Q4 2025 | — | — | — | 10.01% | 1.14% |
| Q1 2026 | — | — | — | 10.43% | 0.92% |
| Q2 2026 | — | — | — | 10.56% | 1.25% |
The Citizens Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens Bank, 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 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16369) · FFIEC NIC profile (RSSD 374130)