The Citizens Bank (Batesville, AR)
The Citizens Bank is an FDIC-insured commercial bank headquartered in Batesville, AR, supervised by the Federal Reserve, with $1.70B in total assets at Q3 2026, up 7.7% from Q3 2025, the 14th largest of 78 banks headquartered in Arkansas. It was established in 1953 and holds FDIC certificate 17211. Its CET1 capital ratio was 10.57% at Q3 2026, above regulatory requirements.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 17211
- Headquarters
- Batesville, AR
- Established
- 1953
- Total assets, Q3 2026
- $1.70B
- Assets vs Q3 2025
- +7.7%
- CET1 ratio, Q3 2026
- 10.57%
- Domestic offices
- 16 branches
- Routing number
- 082907736
- Safety and soundness
- Is The Citizens Bank safe?
- Latest call report
- Q3 2026, FFIEC 051 · The Citizens Bank call report
- Holding company
- CITIZENS BANCSHARES OF BATESVILLE, INC.
- Asset rank in state
- 14th of 78 in Arkansas
The Citizens Bank operates with a thinner capital cushion than most banks of its size. The Batesville, Arkansas bank had $1.7 billion in assets at September 30, 2026, up 7.7% from a year earlier. It holds common equity equal to 10.57% of its risk-weighted assets, lower than about 9 in 10 of the 887 banks with $1 billion to $10 billion in assets (median 13.62%). On the other hand, it spends about 47 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 57 cents).
Delinquency has appeared in its $282 million non-owner-occupied commercial real estate book: 1.80% of those loans are past due or on nonaccrual, against almost none a year earlier. Net income for the quarter rose 13% from a year earlier, to $6.3 million. One more trend to watch: problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.46% of loans from 0.29% a year earlier.
As of September 30, 2026, The Citizens Bank reported a CET1 capital ratio of 10.57%, a return on assets of 1.54%, a nonperforming-loan ratio of 0.46% and a Texas ratio of 4.20%. The figures come from its call report filed with the FFIEC.
By total assets at Q3 2026, The Citizens Bank is the 14th largest of the 78 banks headquartered in Arkansas. From Q2 2026 to Q3 2026, its total assets rose 5.3% to $1.70B, loans rose 5.5% and deposits rose 5.6%. Non-owner-occupied commercial real estate loans made up 21.1% of its total loans on September 30, 2026, its largest category; next came 1-4 family residential loans at 17.5%. Its 16 offices in the FDIC Summary of Deposits are in 11 cities in AR; its Batesville 3 offices book 46% of its branch deposits. By the capital ratios in its Q3 2026 call report, The Citizens Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 655 S Saint Louis St, Batesville, AR 72501
- County
- Independence
- Metro Area
- Batesville, AR
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- April 24, 1953
- Domestic offices
- 16 branches
- Employees (FTE)
- 193
- Domestic deposits
- $1.55B
- Allowance for credit losses
- $18.9M
- Net charge-offs (YTD)
- $926K
- Average total assets
- $1.65B
- Average total loans
- $1.30B
- Average interest-bearing deposits
- $1.36B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 24, 1953
- FDIC Cert
- 17211
- Fed RSSD
- 856748
- SEC CIK
- 1829532 → filed by CITIZENS BANCSHARES OF BATESVILLE, INC.
- Website
- www.thecitizensbank.net →
- Parent Holding Company
- CITIZENS BANCSHARES OF BATESVILLE, INC. (RSSD 1131077)
Profitability
Q3 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
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Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. How we compute these figures
Quarterly trends
From Q4 2023 to Q3 2026, The Citizens Bank's total assets ranged from $1.41B (Q4 2023) to $1.70B (Q3 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$1.70B total assets against $1.58B; $1.55B total liabilities against $1.45B.
$1.32B net loans and leases against $1.21B; $1.55B total deposits against $1.45B.
$99.5M securities against $98.2M; $170.3M cash and balances due against $184.7M.
$23.2M total interest income against $22.1M; $8.7M total interest expense against $8.9M.
$14.5M net interest income against $13.2M.
$2.0M total noninterest income against $1.6M; $7.8M total noninterest expense against $7.5M.
$700K provision for credit losses against $600K.
$6.3M net income against $5.6M.
1.54% return on assets against 1.49%; 3.82% net interest margin against 3.78%.
10.57% CET1 capital ratio against 10.15%; 9.29% tier 1 leverage ratio against 9.05%.
Inside the full The Citizens Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital. The 200% line is a BankRegReports watch band, not a supervisory threshold; the 2006 interagency guidance level is 300%. BankRegReports early-warning band below the 300% guidance.
The Citizens Bank rankings
Its closest position to the top of a national ranking is 546 of 3,624, for efficiency ratio; its furthest is 1,939 of 2,021, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q3 2026, its return on assets ran from 1.01% (Q4 2025) to 1.54% (Q3 2026) and its net interest margin ran from 3.20% (Q4 2024) to 3.82% (Q3 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 10.57% | 1.54% | 0.46% | 4.20% | 3.82% |
| Q2 2026 | 10.36% | 1.51% | 0.37% | 3.40% | 3.67% |
| Q1 2026 | 10.31% | 1.53% | 0.38% | 3.51% | 3.65% |
| Q4 2025 | 9.92% | 1.01% | 0.32% | 2.94% | 3.63% |
| Q3 2025 | 10.15% | 1.49% | 0.29% | 2.72% | 3.78% |
| Q2 2025 | 10.18% | 1.40% | 0.29% | 2.69% | 3.55% |
| Q1 2025 | 9.78% | 1.34% | 0.26% | 2.44% | 3.44% |
| Q4 2024 | 9.66% | 1.09% | 0.21% | 2.02% | 3.20% |
Swipe the table sideways to see every column.
Branch Network
View all 16 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 | Batesville , AR | 72501 | $604.8M |
| Little Rock - Foxcroft Branch | Little Rock , AR | 72227 | $212.9M |
| Little Rock - Promenade Branch | Little Rock , AR | 72223 | $73.4M |
| Arkadelphia Branch | Arkadelphia , AR | 71923 | $69.5M |
| Rogers Branch | Rogers , AR | 72758 | $66.0M |
| Monticello Branch | Monticello , AR | 71655 | $63.8M |
| Fayetteville Branch | Fayetteville , AR | 72703 | $52.5M |
| Hot Springs - Malvern Branch | Hot Springs , AR | 71901 | $45.5M |
| Mountain View Branch | Mountain View , AR | 72560 | $39.9M |
| Fayetteville - Wedington Branch | Fayetteville , AR | 72704 | $37.4M |
| Eagle Mountain Branch | Batesville , AR | 72501 | $36.4M |
| Pleasant Plains Branch | Pleasant Plains , AR | 72568 | $35.0M |
| Imboden Branch | Imboden , AR | 72434 | $35.0M |
| Portland Branch | Portland , AR | 71663 | $34.3M |
| Hot Springs - Higdon Ferry Branch | Hot Springs , AR | 71913 | $31.0M |
| Airport Branch | Batesville , AR | 72501 | $28.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 7, 2017 | Structure Change | Acquired West Pine Street Properties LLC Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 22, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 22, 2015 | Structure Change | Acquired Parkway Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.4% of deposits in AR, rank 16 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 184 applications, 148 loans originated, $27.7M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $500K approved, $500K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 Q3 2026 filing, The Citizens Bank reported total assets of $1.70 billion in its FFIEC call report.
Where is The Citizens Bank headquartered?
It is headquartered in Batesville, AR, United States.
When was The Citizens Bank founded?
It was established in 1953, per the FDIC institution directory.
Is The Citizens Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17211). 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 Federal Reserve.
What is The Citizens Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.57% in its Q3 2026 call report, above regulatory requirements.
How many branches does The Citizens Bank operate?
It operates 16 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 4.20% in its Q3 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 nonperforming assets against the bank's capital and reserves.
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