Greensboro, AL · Cert 22358 · Citizens Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Tuscaloosa, AL · 2026 SOD (annual) · 2.1% share · #12 of 30 inst. · $0.1B of $5.5B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.19% | 1.00% | 0.99% | 0.97% | 1.08% | 0.98% | 1.10% | 1.09% | +12 bps | |
| Return on Equity | 13.41% | 11.53% | 11.93% | 11.56% | 12.34% | 11.01% | 11.62% | 11.51% | -5 bps | |
| Net Interest Margin | 2.84% | 2.73% | 2.70% | 2.73% | 2.75% | 2.77% | 2.84% | 2.85% | +12 bps | |
| Efficiency Ratio | 52.29% | 57.88% | 56.61% | 55.20% | 53.84% | 57.44% | 51.58% | 53.46% | -174 bps | |
| Non-Interest Burden | 1.41% | 1.52% | 1.47% | 1.44% | 1.41% | 1.53% | 1.39% | 1.45% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.02% | 4.97% | 8.72% | 8.99% | 5.93% | 7.26% | 4.02% | 1.71% | -728 bps | |
| Loan Growth (YoY) | 8.30% | 4.53% | -0.29% | -5.30% | -4.30% | 3.23% | 2.30% | -1.33% | +397 bps | |
| Deposit Growth (YoY) | 6.91% | 5.53% | 8.40% | 8.94% | 5.96% | 5.43% | 3.03% | 0.60% | -834 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.20% | 1.26% | 1.69% | 2.16% | 2.07% | 2.06% | 1.58% | 1.87% | -29 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.03% | 0.12% | 0.09% | 0.08% | 0.06% | 0.04% | 0.06% | -3 bps | |
| Allowance / Loans | 1.42% | 1.50% | 1.21% | 1.28% | 1.30% | 1.23% | 1.29% | 1.32% | +4 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.2x | 0.7x | 0.6x | 0.6x | 0.6x | 0.8x | 0.7x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.02% | 11.97% | 12.19% | 12.15% | 12.33% | 11.80% | 11.94% | 12.22% | +7 bps | |
| Total Risk-Based Capital | 27.14% | 25.35% | 25.90% | 26.84% | 27.19% | 25.58% | 26.49% | 21.83% | -500 bps | |
| Equity / Assets | 9.92% | 7.90% | 8.62% | 8.62% | 9.80% | 9.38% | 9.50% | 9.61% | +99 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 36.54% | 34.61% | 33.68% | 33.12% | 33.00% | 33.89% | 33.44% | 32.48% | -64 bps | |
| Liquid Assets / Assets | 5.13% | 9.05% | 9.01% | 10.06% | 9.69% | 8.88% | 9.51% | 9.32% | -75 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 14.94% | 16.00% | 15.65% | n/a | n/a | |