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Citizens' Bank, Inc.
Robertsdale, AL · FDIC Certificate #23523 · Chartered 09/0
Total assets
$158.86M
Total deposits
$143.07M
Total equity
$15.04M
Net loans
$84.58M
Branches (offices)
3
Net income (YTD)
$915.00K
Rank: #3,241 of 4,213 U.S. banks by assets · #70 of 93 in Alabama. Assets changed 1.7% and deposits -0.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.16% |
| Return on equity | 12.55% |
| Net interest margin (YTD) | 3.79% |
| Equity to assets | 9.47% |
| Tier 1 leverage ratio | 11.00% |
| Uninsured deposits (share of deposits) | 30.4% |
| Noncurrent loans (share of loans) | 0.14% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 59.1% |
| Real estate loans (share of loans) | 79.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $67.37M | 79.7% | |
| Commercial & industrial | $9.17M | 10.8% | |
| Consumer / individual | $5.20M | 6.2% | |
| Construction & development | $7.58M | 9.0% | |
| Agricultural | $681.00K | 0.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $146.11M | $134.29M | $727.00K | $10.42M |
| Jun 2023 | $149.47M | $135.83M | $466.00K | $9.90M |
| Jun 2024 | $152.99M | $141.54M | $252.00K | $10.93M |
| Jun 2025 | $156.26M | $143.36M | $545.00K | $12.34M |
| Jun 2026 | $158.86M | $143.07M | $915.00K | $15.04M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $143.07M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $143.07M.
Similar-sized banks
First Community Bank ($158.94M) · Greenleaf Bank ($158.72M)
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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