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: 26.80 percentage points lower than in Q1 2026, at 184.07%. The Citizens Bank ranks 51st of 93 Alabama banks on return on assets, in the lower half at 1.09% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The Citizens Bank sits 0.17 points lower, at 1.09% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 21.00% |
| Tier 1 risk-based capital ratio | 21.00% |
| Total risk-based capital ratio | 21.83% |
| Tier 1 leverage ratio | 12.22% |
| Equity capital to assets | 9.61% |
| Tangible equity to tangible assets | 9.61% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.72% |
| Non-performing assets ratio | 0.21% |
| Net charge-off ratio | 0.07% |
| Texas ratio | 5.47% |
| Allowance for credit losses to loans | 1.32% |
| Reserve coverage of non-performing loans | 184.07% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.09% |
| Return on equity | 11.41% |
| Net interest margin | 3.07% |
| Efficiency ratio | 53.39% |
| Yield on earning assets | 4.46% |
| Cost of funds | 1.52% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 32.48% |
| Core deposits to total deposits | 86.02% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.90% |
| Securities to assets | 52.01% |
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 | 26.37% | 26.37% | 27.37% | 13.67% | 1.06% |
| Q4 2023 | 25.38% | 25.38% | 26.36% | 12.93% | 0.89% |
| Q1 2024 | 25.54% | 25.54% | 26.50% | 12.84% | 1.33% |
| Q2 2024 | 25.21% | 25.21% | 26.17% | 13.06% | 1.07% |
| Q3 2024 | 26.18% | 26.18% | 27.14% | 13.02% | 1.22% |
| Q4 2024 | 24.39% | 24.39% | 25.35% | 11.97% | 0.44% |
| Q1 2025 | 24.93% | 24.93% | 25.90% | 12.19% | 0.99% |
| Q2 2025 | 25.78% | 25.78% | 26.84% | 12.15% | 0.96% |
| Q3 2025 | 26.15% | 26.15% | 27.19% | 12.33% | 1.28% |
| Q4 2025 | 24.56% | 24.56% | 25.58% | 11.80% | 0.69% |
| Q1 2026 | 25.45% | 25.45% | 26.49% | 11.94% | 1.10% |
| Q2 2026 | 21.00% | 21.00% | 21.83% | 12.22% | 1.09% |
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 22358) · FFIEC NIC profile (RSSD 571135)