Citizens Bank & Trust: 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.
Reserve coverage of non-performing loans climbed 56.25 percentage points in Q2 2026, from 486.32% to 542.57%. It was the largest change from Q1 2026 among the key lines here. Citizens Bank & Trust ranks 77th of 93 Alabama banks on return on assets, in the lower half at 0.62% (Q2 2026). Citizens Bank & Trust's return on assets of 0.62% is well below the 1.28% median for banks in the $1B-10B asset tier, a gap of 0.66 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.67% |
| Tier 1 risk-based capital ratio | 14.67% |
| Total risk-based capital ratio | 15.64% |
| Tier 1 leverage ratio | 8.93% |
| Equity capital to assets | 6.30% |
| Tangible equity to tangible assets | 6.30% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.19% |
| Non-performing assets ratio | 0.11% |
| Net charge-off ratio | 0.05% |
| Texas ratio | 1.64% |
| Allowance for credit losses to loans | 1.04% |
| Reserve coverage of non-performing loans | 542.57% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.62% |
| Return on equity | 9.63% |
| Net interest margin | 2.68% |
| Efficiency ratio | 76.37% |
| Yield on earning assets | 4.64% |
| Cost of funds | 2.00% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 56.58% |
| Core deposits to total deposits | 92.24% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.81% |
| Securities to assets | 26.72% |
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 | 14.00% | 14.00% | 15.14% | 9.39% | 1.05% |
| Q4 2023 | 13.63% | 13.63% | 14.73% | 9.40% | 0.32% |
| Q1 2024 | 13.69% | 13.69% | 14.77% | 9.14% | 0.67% |
| Q2 2024 | 14.22% | 14.22% | 15.32% | 9.30% | 0.42% |
| Q3 2024 | 14.43% | 14.43% | 15.52% | 9.35% | 0.26% |
| Q4 2024 | 14.26% | 14.26% | 15.34% | 9.53% | 0.49% |
| Q1 2025 | 14.46% | 14.46% | 15.53% | 9.63% | 0.42% |
| Q2 2025 | 14.46% | 14.46% | 15.53% | 9.24% | 0.70% |
| Q3 2025 | 14.66% | 14.66% | 15.69% | 9.42% | 0.60% |
| Q4 2025 | 14.25% | 14.25% | 15.21% | 9.28% | 0.61% |
| Q1 2026 | 14.87% | 14.87% | 15.85% | 9.25% | 0.59% |
| Q2 2026 | 14.67% | 14.67% | 15.64% | 8.93% | 0.62% |
Citizens Bank & Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank & Trust, 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 Citizens Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57483) · FFIEC NIC profile (RSSD 3174920)