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Citizens Bank
Corvallis, OR · FDIC Certificate #17809 · Chartered 10/0
Total assets
$823.40M
Total deposits
$702.51M
Total equity
$87.15M
Net loans
$383.06M
Branches (offices)
14
Net income (YTD)
$729.00K
Rank: #1,224 of 4,213 U.S. banks by assets · #5 of 12 in Oregon. Assets changed -1.1% and deposits -3.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.18% |
| Return on equity | 1.67% |
| Net interest margin (YTD) | 3.50% |
| Equity to assets | 10.58% |
| Tier 1 leverage ratio | 13.88% |
| Uninsured deposits (share of deposits) | 36.3% |
| Noncurrent loans (share of loans) | 0.04% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 54.5% |
| Real estate loans (share of loans) | 79.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $302.61M | 79.0% | |
| Commercial & industrial | $35.84M | 9.4% | |
| Consumer / individual | $1.45M | 0.4% | |
| Construction & development | $10.32M | 2.7% | |
| Agricultural | $41.15M | 10.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.06B | $948.57M | $2.92M | $63.52M |
| Jun 2023 | $1.03B | $772.11M | $3.00M | $64.87M |
| Jun 2024 | $918.94M | $713.62M | $1.60M | $72.06M |
| Jun 2025 | $832.79M | $724.45M | $1.11M | $80.16M |
| Jun 2026 | $823.40M | $702.51M | $729.00K | $87.15M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oregon | $702.51M | 14 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $702.51M.
Similar-sized banks
Oregon Pacific Banking Company Dba Oregon Pacific Bank ($825.43M) · The Bank Of New Glarus ($823.15M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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