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The Citizens Bank
Greensboro, AL · FDIC Certificate #22358 · Chartered 11/0
Total assets
$129.20M
Total deposits
$116.16M
Total equity
$12.42M
Net loans
$37.23M
Branches (offices)
1
Net income (YTD)
$710.00K
Rank: #3,468 of 4,213 U.S. banks by assets · #76 of 93 in Alabama. Assets changed 1.7% and deposits 0.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.09% |
| Return on equity | 11.51% |
| Net interest margin (YTD) | 2.98% |
| Equity to assets | 9.61% |
| Tier 1 leverage ratio | 12.22% |
| Uninsured deposits (share of deposits) | 21.4% |
| Noncurrent loans (share of loans) | 1.87% |
| Net charge-offs (share of loans) | 0.06% |
| Loans to deposits | 32.1% |
| Real estate loans (share of loans) | 42.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $15.64M | 42.0% | |
| Commercial & industrial | $6.87M | 18.4% | |
| Consumer / individual | $5.14M | 13.8% | |
| Construction & development | $186.00K | 0.5% | |
| Agricultural | $9.39M | 25.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $117.11M | $107.66M | $484.00K | $9.22M |
| Jun 2023 | $112.94M | $103.45M | $745.00K | $9.20M |
| Jun 2024 | $116.55M | $105.98M | $687.00K | $10.15M |
| Jun 2025 | $127.03M | $115.46M | $604.00K | $10.95M |
| Jun 2026 | $129.20M | $116.16M | $710.00K | $12.42M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $116.16M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $116.16M.
Similar-sized banks
Snb Bank, National Association ($129.45M) · The First National Bank Of Bagley ($129.19M)
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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