Citizens Bank (Corvallis, OR): Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Citizens Bank is a locally rooted FDIC-insured community bank based in Corvallis, OR. As of Q2 2026, the bank held approximately $823M in total assets and $703M in deposits. Returns are subdued: 0.05% ROA and 0.51% ROE. Regulatory capital is solid, 22.17% CET1 and 23.43% total risk-based capital ratio. Asset quality is pristine, 0.11% NPLs and a 0.44% Texas Ratio. Its footprint covers 14 branches concentrated in Oregon.
As of June 30, 2026, Citizens Bank reported a CET1 capital ratio of 22.17%, a return on assets of 0.05%, a nonperforming-loan ratio of 0.11%, a Texas ratio of 0.44%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 275 Sw 3rd St, Corvallis, OR 97333
- County
- Benton
- Metro Area
- Corvallis, OR
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 5, 1957
- Former names
- Citizens Bank of Corvallis (1970-1985)
- Offices
- 14 domestic
- Employees (FTE)
- 177
- Domestic deposits
- $702.5M
- Allowance for credit losses
- $6.6M
- Net charge-offs (YTD)
- $1K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 5, 1957
- FDIC Cert
- 17809
- Fed RSSD
- 98463
- SEC CIK
- 1048575 → filed by CITIZENS BANCORP
- Website
- www.citizensEbank.com →
- Parent Holding Company
- CITIZENS BANCORP (RSSD 2519038)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Citizens Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Citizens Bank, freeCitizens Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Citizens Bank: CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 22.17% | 0.05% | 0.11% | 0.44% | 3.34% |
| Q1 2026 | 23.11% | 0.30% | 0.15% | 0.57% | 3.33% |
| Q4 2025 | 22.62% | 0.47% | 0.35% | 1.38% | 3.38% |
| Q3 2025 | 22.76% | 0.19% | 0.32% | 1.24% | 3.28% |
| Q2 2025 | 22.69% | 0.29% | 0.59% | 2.54% | 3.33% |
| Q1 2025 | 22.22% | 0.26% | 0.15% | 0.66% | 3.40% |
| Q4 2024 | 21.89% | 0.39% | 0.05% | 0.26% | 3.42% |
| Q3 2024 | 21.91% | 0.44% | 0.08% | 0.35% | 3.27% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 14 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Citizens Bank (main office) | Corvallis , OR | 97333 | $199.3M |
| Philomath Branch | Philomath , OR | 97370 | $77.4M |
| Corvallis Circle Branch | Corvallis , OR | 97330 | $74.4M |
| Junction City Branch | Junction City , OR | 97448 | $64.2M |
| Mcminnville Branch | Mcminnville , OR | 97128 | $53.0M |
| Albany 14th Ave Branch | Albany , OR | 97322 | $52.7M |
| Dallas Branch | Dallas , OR | 97338 | $40.1M |
| Silverton Branch | Silverton , OR | 97381 | $37.2M |
| Albany West Branch | Albany , OR | 97321 | $32.3M |
| Tualatin Branch | Tualatin , OR | 97062 | $19.2M |
| Lebanon Branch | Lebanon , OR | 97355 | $18.8M |
| Oregon City Branch | Oregon City , OR | 97045 | $16.5M |
| Springfield Branch | Springfield , OR | 97477 | $14.2M |
| Salem Branch | Salem , OR | 97301 | $3.1M |
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 |
|---|---|---|---|
| February 21, 2009 | Structure Change | Acquired Silver Falls Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| February 20, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| October 2, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 2, 1993 | Structure Change | Acquired Tri-County Banking Co. 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 4 events.
Regulatory record
What the public regulatory sources show for Citizens Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.7% of deposits in OR, rank 14 of 34 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 124 applications, 92 loans originated, $24.7M originated, across 1 states
- Period: Calendar year 2020. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Citizens Bank
What are Citizens Bank's total assets?
As of the Q2 2026 filing, Citizens Bank reported total assets of $823.4 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Citizens Bank headquartered?
Citizens Bank is headquartered in Corvallis, OR, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Citizens Bank founded?
Citizens Bank was established in 1957, per the FDIC institution directory.
Is Citizens Bank FDIC-insured?
Yes. Citizens Bank is an FDIC-insured commercial bank (FDIC Certificate #17809). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Bank?
Citizens Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Citizens Bank's CET1 capital ratio?
Citizens Bank reported a Common Equity Tier 1 (CET1) capital ratio of 22.17% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Citizens Bank operate?
Citizens Bank operates 14 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens Bank's Texas Ratio?
Citizens Bank's Texas Ratio is 0.44% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Citizens Bank previously called?
The charter now named Citizens Bank has also operated as Citizens Bank of Corvallis (1970-1985), per FDIC structure-change records.
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