The Citizens Bank (Greensboro, 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 Greensboro, AL, established in 1976 (FDIC certificate 22358), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $129.2M, up 1.7% from Q2 2025, the 76th largest of 93 banks headquartered in Alabama. Its CET1 capital ratio was 26.46% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 22358
- Headquarters
- Greensboro, AL
- Established
- 1976
- Total assets, Q2 2026
- $129.2M
- Assets vs Q2 2025
- +1.7%
- CET1 ratio, Q2 2026
- 26.46%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 062202914
- Holding company
- CITIZENS BANCSHARES, INC.
- Asset rank in state
- 76th of 93 in Alabama
The Citizens Bank carries far more capital than most banks of its size. Its balance sheet stood at $129 million at June 30, 2026, up 1.7% from a year earlier; it is based in Greensboro, Alabama. It holds common equity equal to 26.46% of its risk-weighted assets, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 15.12%). On the other hand, it keeps 3.07 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
The commercial and industrial book ($6.9 million) is worsening: 12.38% of it is past due or on nonaccrual, up from 3.27% a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $4.7 million equal 30% of Tier 1 capital, down from 39% a year earlier.
As of June 30, 2026, The Citizens Bank reported a CET1 capital ratio of 26.46%, a return on assets of 1.09%, a nonperforming-loan ratio of 1.87% and a Texas ratio of 5.47%. The figures come from its call report filed with the FFIEC.
Of the 93 banks headquartered in Alabama, The Citizens Bank is the 76th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.5% to $129.2M, loans fell 3.4% and deposits fell 0.6%. The largest part of its loan book on June 30, 2026 was agricultural production loans, at 24.9% of total loans, ahead of farmland and other real estate loans at 19.2%. The FDIC Summary of Deposits lists a single office for it, in Greensboro, AL. On its Q2 2026 call report, The Citizens Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1300 State St, Greensboro, AL 36744
- County
- Hale
- Metro Area
- Tuscaloosa, 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
- —
- Call Report form
- FFIEC 041
- Established
- November 1, 1976
- Former names
- The Citizens Bank (1978)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 13
- Domestic deposits
- $116.2M
- Allowance for credit losses
- $497K
- Net charge-offs (YTD)
- $11K
- Average total assets
- $130.0M
- Average total loans
- $38.9M
- Average interest-bearing deposits
- $82.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 1, 1976
- FDIC Cert
- 22358
- Fed RSSD
- 571135
- Parent Holding Company
- CITIZENS BANCSHARES, INC. (RSSD 1086382)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Citizens Bank's total assets ran between $109.5M (Q3 2023) and $130.7M (Q4 2025), 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
$129.2M total assets against $127.0M; $116.8M total liabilities against $116.1M.
$37.2M net loans and leases against $37.8M; $116.2M total deposits against $115.5M.
$67.2M securities against $63.4M; $20.6M cash and balances due against $21.5M.
$1.4M total interest income against $1.3M; $437K total interest expense against $467K.
$925K net interest income against $876K.
$49K total noninterest income against $45K; $539K total noninterest expense against $496K.
$0 provision for credit losses against $45K.
$353K net income against $300K.
1.09% return on assets against 0.96%; 3.07% net interest margin against 2.97%.
26.46% CET1 capital ratio against 25.78%; 12.22% tier 1 leverage ratio against 12.15%.
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 127 of 2,134, for CET1 ratio; its furthest is 3,455 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.44% (Q4 2024) to 1.28% (Q3 2025) and its net interest margin ran from 2.87% (Q1 2025) to 3.12% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 26.46% | 1.09% | 1.87% | 5.47% | 3.07% |
| Q1 2026 | 25.45% | 1.10% | 1.58% | 4.80% | 3.06% |
| Q4 2025 | 24.56% | 0.69% | 2.06% | 6.44% | 3.12% |
| Q3 2025 | 26.15% | 1.28% | 2.07% | 6.03% | 3.08% |
| Q2 2025 | 25.78% | 0.96% | 2.16% | 7.23% | 2.97% |
| Q1 2025 | 24.93% | 0.99% | 1.69% | 5.76% | 2.87% |
| Q4 2024 | 24.39% | 0.44% | 1.26% | 4.79% | 2.94% |
| Q3 2024 | 26.18% | 1.22% | 1.20% | 3.80% | 3.05% |
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 | Greensboro , AL | 36744 | $116.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in AL, rank 99 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 $129.2 million in its FFIEC call report.
Where is The Citizens Bank headquartered?
It is headquartered in Greensboro, AL, United States.
When was The Citizens Bank founded?
It was established in 1976, per the FDIC institution directory.
Is The Citizens Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #22358). 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.
What is The Citizens Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 26.46% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Citizens Bank 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's Texas Ratio?
Its Texas Ratio is 5.47% 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 (1978), per FDIC structure-change records.
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