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The Citizens Bank Company
Beverly, OH · FDIC Certificate #10266 · Chartered 01/0
Total assets
$334.64M
Total deposits
$291.04M
Total equity
$41.76M
Net loans
$185.63M
Branches (offices)
5
Net income (YTD)
$2.42M
Rank: #2,312 of 4,213 U.S. banks by assets · #69 of 155 in Ohio. Assets changed 0.7% and deposits 2.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.46% |
| Return on equity | 11.96% |
| Net interest margin (YTD) | 3.74% |
| Equity to assets | 12.48% |
| Tier 1 leverage ratio | 13.56% |
| Uninsured deposits (share of deposits) | 24.5% |
| Noncurrent loans (share of loans) | 0.39% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 63.8% |
| Real estate loans (share of loans) | 86.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $161.16M | 86.8% | |
| Commercial & industrial | $21.77M | 11.7% | |
| Consumer / individual | $6.70M | 3.6% | |
| Construction & development | $16.23M | 8.7% | |
| Agricultural | $1.26M | 0.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $299.68M | $264.30M | $2.00M | $25.79M |
| Jun 2023 | $306.62M | $263.35M | $1.74M | $29.89M |
| Jun 2024 | $313.51M | $265.40M | $1.62M | $33.23M |
| Jun 2025 | $332.40M | $283.87M | $1.88M | $34.22M |
| Jun 2026 | $334.64M | $291.04M | $2.42M | $41.76M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $291.04M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $291.04M.
Similar-sized banks
The First Security Bank ($334.96M) · Altamaha Bank & Trust Company ($334.12M)
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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