Robertsdale, AL · Cert 23523 · Citizens Capital Corp.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Daphne-Fairhope-Foley, AL · 2026 SOD (annual) · 2.1% share · #14 of 32 inst. · $0.1B of $6.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.44% | 0.48% | 0.65% | 0.57% | 0.80% | 0.92% | 0.85% | 1.08% | +51 bps | |
| Return on Equity | 5.73% | 6.12% | 8.43% | 7.24% | 9.78% | 10.34% | 9.31% | 11.67% | +443 bps | |
| Net Interest Margin | 2.86% | 2.96% | 3.11% | 3.22% | 3.40% | 3.37% | 3.40% | 3.67% | +45 bps | |
| Efficiency Ratio | 78.67% | 80.16% | 74.84% | 76.09% | 71.73% | 68.41% | 67.17% | 65.00% | -1,109 bps | |
| Non-Interest Burden | 2.22% | 2.35% | 2.28% | 2.42% | 2.39% | 2.23% | 2.21% | 2.32% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.09% | -4.35% | 0.29% | 2.14% | 6.70% | 3.00% | 1.75% | 1.66% | -48 bps | |
| Loan Growth (YoY) | -3.34% | -0.03% | 4.45% | 1.23% | 7.77% | 9.38% | 2.72% | 6.24% | +501 bps | |
| Deposit Growth (YoY) | -8.48% | -5.12% | -1.02% | 1.28% | 3.43% | 0.33% | 0.44% | -0.20% | -148 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.26% | 0.20% | 0.20% | 0.30% | 0.20% | 0.30% | 0.25% | 0.14% | -16 bps | |
| Net Charge-Offs / Loans | 0.26% | 0.01% | 0.00% | 0.01% | 0.03% | 0.00% | 0.00% | 0.08% | +7 bps | |
| Allowance / Loans | 1.15% | 1.12% | 1.09% | 1.14% | 1.09% | 1.05% | 1.15% | 1.11% | -3 bps | |
| Allowance Coverage of NPLs | 4.5x | 5.5x | 5.5x | 3.8x | 5.5x | 3.5x | 4.6x | 8.1x | +4.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.26% | 10.45% | 10.35% | 10.44% | 10.34% | 10.56% | 10.73% | 11.00% | +56 bps | |
| Total Risk-Based Capital | 10.26% | 10.45% | 10.35% | 10.44% | 10.34% | 10.56% | 10.73% | 11.00% | +56 bps | |
| Equity / Assets | 8.15% | 7.59% | 7.86% | 7.90% | 8.56% | 9.22% | 9.04% | 9.47% | +157 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.68% | 56.74% | 57.16% | 56.15% | 59.06% | 61.85% | 58.46% | 59.78% | +362 bps | |
| Liquid Assets / Assets | 19.51% | 17.46% | 16.21% | 15.63% | 14.13% | 14.49% | 16.38% | 14.94% | -70 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 197.94% | 201% | 190.76% | n/a | n/a | |