Citizens Bank of Winfield, The
Winfield, AL · Cert 52 · Peer group: banks under $1B in assets (n=570-617) · Citizens Bcorp of Winfield Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$301.3MAssets
$113.4MLoans
$215.2MDeposits
$29.4MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 72% of banks under $1B in assets (rank 173 of 617).
- Widest gap: net charge-offs / loans trails 95% of banks under $1B in assets (rank 541 of 570).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.42%
Rank 510 of 617
Net Interest Margin
2.19%
Rank 579 of 617
Efficiency Ratio
66.84%
Rank 292 of 617
Equity / Assets
9.75%
Rank 383 of 617
Non-interest income vs. expense
Unfavorable gap of $4.6M · efficiency ratio beats 53% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.42% | 0.60% | 1.01% | 1.45% | Beats 17% | 510 / 617 | |
| Return on Equity | 4.33% | 5.30% | 9.43% | 13.30% | Beats 19% | 498 / 617 | |
| Net Interest Margin | 2.19% | 3.04% | 3.54% | 4.05% | Beats 6% | 579 / 617 | |
| Efficiency Ratio | 66.84% | 58.03% | 67.76% | 79.08% | Beats 53% | 292 / 617 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.26% | 0.09% | 0.47% | 1.27% | Beats 61% | 221 / 570 | |
| Net Charge-Offs / Loans | 0.31% | n/a | 0.01% | 0.06% | Beats 5% | 541 / 570 | |
| Capital |
| Tier 1 Capital Ratio | 17.51% | 11.18% | 13.83% | 18.55% | Beats 72% | 173 / 617 | |
| Total Risk-Based Capital Ratio | 17.51% | 11.56% | 14.39% | 19.39% | Beats 69% | 192 / 617 | |
| Equity / Assets | 9.75% | 9.03% | 10.55% | 13.63% | Beats 38% | 383 / 617 | |
| Liquidity & Funding |
| Loans / Deposits | 52.72% | 64.77% | 79.70% | 93.06% | 13th pctl | 505 / 582 | |
| Loans / Assets | 37.65% | 51.70% | 67.18% | 77.51% | 14th pctl | 531 / 617 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |