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The Citizens Bank
Enterprise, AL · FDIC Certificate #16369 · Chartered 02/0
Total assets
$233.34M
Total deposits
$209.79M
Total equity
$22.86M
Net loans
$162.44M
Branches (offices)
2
Net income (YTD)
$1.35M
Rank: #2,793 of 4,213 U.S. banks by assets · #57 of 93 in Alabama. Assets changed -5.7% and deposits -7.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.12% |
| Return on equity | 12.15% |
| Net interest margin (YTD) | 3.78% |
| Equity to assets | 9.80% |
| Tier 1 leverage ratio | 10.56% |
| Uninsured deposits (share of deposits) | 31.5% |
| Noncurrent loans (share of loans) | 0.42% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 77.4% |
| Real estate loans (share of loans) | 83.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $136.30M | 83.9% | |
| Commercial & industrial | $24.36M | 15.0% | |
| Consumer / individual | $3.06M | 1.9% | |
| Construction & development | $16.32M | 10.0% | |
| Agricultural | $477.00K | 0.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $221.65M | $208.01M | $768.00K | $13.17M |
| Jun 2023 | $229.09M | $200.76M | $868.00K | $14.52M |
| Jun 2024 | $245.44M | $219.64M | $847.00K | $17.02M |
| Jun 2025 | $247.41M | $227.09M | $1.07M | $19.39M |
| Jun 2026 | $233.34M | $209.79M | $1.35M | $22.86M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $209.79M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $209.79M.
Similar-sized banks
Great North Bank ($233.36M) · Farmers And Merchants State Bank, Bloomfield, Nebraska ($232.86M)
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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