Citizens' Bank, Inc.
Robertsdale, AL · Cert 23523 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Citizens Capital Corp.
State charter, non-member · FDIC · 3 branches
Q2 2026
$158.9MAssets
$85.5MLoans
$143.1MDeposits
$15.0MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 71% of banks under $1B in assets operating in a single state (rank 215 of 743).
- Widest gap: total risk-based capital ratio trails 82% of banks under $1B in assets operating in a single state (rank 614 of 746).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.96%
Rank 427 of 746
Net Interest Margin
3.53%
Rank 434 of 746
Efficiency Ratio
66.05%
Rank 408 of 746
Equity / Assets
9.47%
Rank 499 of 746
Non-interest income vs. expense
Unfavorable gap of $3.7M · efficiency ratio beats 45% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.96% | 0.72% | 1.06% | 1.45% | Beats 43% | 427 / 746 | |
| Return on Equity | 10.13% | 6.74% | 10.51% | 13.63% | Beats 47% | 393 / 746 | |
| Net Interest Margin | 3.53% | 3.17% | 3.68% | 4.16% | Beats 42% | 434 / 746 | |
| Efficiency Ratio | 66.05% | 55.74% | 64.58% | 75.47% | Beats 45% | 408 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.14% | 0.09% | 0.42% | 1.07% | Beats 71% | 215 / 743 | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.05% | Beats 39% | 456 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 11.00% | 11.55% | 13.75% | 17.60% | Beats 19% | 603 / 746 | |
| Total Risk-Based Capital Ratio | 11.00% | 11.71% | 14.33% | 18.43% | Beats 18% | 614 / 746 | |
| Equity / Assets | 9.47% | 8.90% | 10.51% | 13.06% | Beats 33% | 499 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 59.78% | 61.31% | 78.27% | 90.78% | 22nd pctl | 583 / 746 | |
| Loans / Assets | 53.84% | 53.60% | 66.97% | 76.08% | 25th pctl | 557 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |