Citizens Bank, The
Enterprise, AL · Cert 16369 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Enterprise Capital Corp. Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$233.3MAssets
$164.2MLoans
$209.8MDeposits
$22.9MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
- Widest gap: total risk-based capital ratio trails 87% of banks under $1B in assets operating in a single state (rank 647 of 746).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.16%
Rank 321 of 746
Net Interest Margin
3.46%
Rank 468 of 746
Efficiency Ratio
65.43%
Rank 389 of 746
Equity / Assets
9.80%
Rank 453 of 746
Non-interest income vs. expense
Unfavorable gap of $5.4M · efficiency ratio beats 48% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.16% | 0.72% | 1.06% | 1.45% | Beats 57% | 321 / 746 | | |
| Return on Equity | 11.81% | 6.74% | 10.51% | 13.63% | Beats 62% | 284 / 746 | | |
| Net Interest Margin | 3.46% | 3.17% | 3.68% | 4.16% | Beats 37% | 468 / 746 | | |
| Efficiency Ratio | 65.43% | 55.74% | 64.58% | 75.47% | Beats 48% | 389 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.42% | 0.09% | 0.42% | 1.07% | Beats 51% | 368 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 10.56% | 11.55% | 13.75% | 17.60% | Beats 15% | 637 / 746 | | |
| Total Risk-Based Capital Ratio | 10.56% | 11.71% | 14.33% | 18.43% | Beats 13% | 647 / 746 | | |
| Equity / Assets | 9.80% | 8.90% | 10.51% | 13.06% | Beats 39% | 453 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 78.27% | 61.31% | 78.27% | 90.78% | 50th pctl | 373 / 746 | | |
| Loans / Assets | 70.37% | 53.60% | 66.97% | 76.08% | 58th pctl | 313 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |