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The Citizens Bank Of Winfield
Winfield, AL · FDIC Certificate #52 · Chartered 05/2
Total assets
$301.26M
Total deposits
$215.18M
Total equity
$29.36M
Net loans
$112.25M
Branches (offices)
1
Net income (YTD)
$636.00K
Rank: #2,461 of 4,213 U.S. banks by assets · #50 of 93 in Alabama. Assets changed 11.0% and deposits 7.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.43% |
| Return on equity | 4.56% |
| Net interest margin (YTD) | 2.78% |
| Equity to assets | 9.75% |
| Tier 1 leverage ratio | 17.51% |
| Uninsured deposits (share of deposits) | 27.9% |
| Noncurrent loans (share of loans) | 0.26% |
| Net charge-offs (share of loans) | 0.47% |
| Loans to deposits | 52.2% |
| Real estate loans (share of loans) | 57.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $64.61M | 57.6% | |
| Commercial & industrial | $17.03M | 15.2% | |
| Consumer / individual | $22.04M | 19.6% | |
| Construction & development | $9.74M | 8.7% | |
| Agricultural | $863.00K | 0.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $298.46M | $228.00M | $2.42M | $30.16M |
| Jun 2023 | $318.07M | $218.65M | $579.00K | $24.89M |
| Jun 2024 | $317.39M | $227.95M | -$293.00K | $24.75M |
| Jun 2025 | $271.45M | $200.47M | $554.00K | $22.21M |
| Jun 2026 | $301.26M | $215.18M | $636.00K | $29.36M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $215.18M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $215.18M.
Similar-sized banks
Dlp Bank ($301.43M) · Freedom Bank ($301.21M)
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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