Citizens Bank of Winfield, The
Winfield, AL · Cert 52 · Peer group: banks under $1B in assets (n=581-629) · 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 179 of 629).
- Widest gap: net charge-offs / loans trails 95% of banks under $1B in assets (rank 551 of 581).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.42%
Rank 520 of 629
Net Interest Margin
2.19%
Rank 591 of 629
Efficiency Ratio
66.84%
Rank 298 of 629
Equity / Assets
9.75%
Rank 402 of 629
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.42% | 0.60% | 1.01% | 1.45% | Beats 17% | 520 / 629 | | |
| Return on Equity | 4.33% | 5.38% | 9.30% | 13.28% | Beats 19% | 508 / 629 | | |
| Net Interest Margin | 2.19% | 3.03% | 3.54% | 4.05% | Beats 6% | 591 / 629 | | |
| Efficiency Ratio | 66.84% | 58.35% | 67.79% | 79.08% | Beats 53% | 298 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.26% | 0.09% | 0.46% | 1.20% | Beats 60% | 233 / 581 | | |
| Net Charge-Offs / Loans | 0.31% | n/a | 0.01% | 0.06% | Beats 5% | 551 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 17.51% | 11.24% | 13.84% | 18.77% | Beats 72% | 179 / 629 | | |
| Total Risk-Based Capital Ratio | 17.51% | 11.58% | 14.43% | 19.66% | Beats 69% | 196 / 629 | | |
| Equity / Assets | 9.75% | 9.09% | 10.65% | 13.80% | Beats 36% | 402 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 52.72% | 67.24% | 80.90% | 93.48% | 12th pctl | 522 / 594 | | |
| Loans / Assets | 37.65% | 53.31% | 67.71% | 78.15% | 14th pctl | 544 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |