Citizens Bank, The
Greensboro, AL · Cert 22358 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Citizens Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$129.2MAssets
$37.7MLoans
$116.2MDeposits
$12.4MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 85% of banks under $1B in assets operating in a single state (rank 111 of 746).
- Widest gap: nonperforming loans / loans trails 87% of banks under $1B in assets operating in a single state (rank 649 of 743).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.10%
Rank 354 of 746
Net Interest Margin
2.85%
Rank 651 of 746
Efficiency Ratio
53.46%
Rank 159 of 746
Equity / Assets
9.61%
Rank 480 of 746
Non-interest income vs. expense
Unfavorable gap of $1.9M · efficiency ratio beats 79% 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 | 1.10% | 0.72% | 1.06% | 1.45% | Beats 53% | 354 / 746 | | |
| Return on Equity | 11.43% | 6.74% | 10.51% | 13.63% | Beats 59% | 307 / 746 | | |
| Net Interest Margin | 2.85% | 3.17% | 3.68% | 4.16% | Beats 13% | 651 / 746 | | |
| Efficiency Ratio | 53.46% | 55.74% | 64.58% | 75.47% | Beats 79% | 159 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.87% | 0.09% | 0.42% | 1.07% | Beats 13% | 649 / 743 | | |
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.01% | 0.05% | Beats 26% | 554 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 21.00% | 11.55% | 13.75% | 17.60% | Beats 85% | 111 / 746 | | |
| Total Risk-Based Capital Ratio | 21.83% | 11.71% | 14.33% | 18.43% | Beats 85% | 115 / 746 | | |
| Equity / Assets | 9.61% | 8.90% | 10.51% | 13.06% | Beats 36% | 480 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 32.48% | 61.31% | 78.27% | 90.78% | 3rd pctl | 727 / 746 | | |
| Loans / Assets | 29.20% | 53.60% | 66.97% | 76.08% | 3rd pctl | 724 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |