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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Corvallis, OR · FDIC certificate #17809 · RSSD 98463
CITIZENS BANK is an FDIC-insured institution based in Corvallis, OR (FDIC certificate #17809). In its Q3 2026 Call Report it reported total assets of $839M, total deposits of $729M and net loans of $379M. Its primary federal regulator is FDIC. Its current parent is CITIZENS BANCORP.
Reported facts
CITIZENS BANK (FDIC certificate #17809) reported the following headline financials for Q3 2026. Interactive quarterly history follows below.
| Total assets | $839M |
|---|---|
| Total deposits | $729M |
| Net loans and leases | $379M |
| Return on assets | 0.29% |
| Return on equity | 2.77% |
| Net interest margin | 3.56% |
| Quarterly asset change | 1.89% |
| Quarterly deposit change | 3.75% |
Plain-language readout
CITIZENS BANK in Corvallis, OR reported total assets of $839M, total deposits of $729M and net loans of $379M in its Q3 2026 Call Report (as of 2026-09-30).
Profitability for Q3 2026: a return on assets of 0.29%, a return on equity of 2.77%, a net interest margin of 3.56%. Return on assets measures annualized net income against average assets, return on equity measures it against average equity, and net interest margin measures net interest income against average earning assets.
Total assets fell 17.7% over the past four quarters, from $1.0B in Q4 2023 to $839M in Q3 2026. Total deposits fell 3.1% over the past four quarters, from $752M in Q4 2023 to $729M in Q3 2026. Net loans fell 5.4% over the past four quarters, from $401M in Q4 2023 to $379M in Q3 2026.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $839M | $729M | $379M | 0.29% | 2.77% | 3.56% |
| Q2 2026 | $823M | $703M | $383M | 0.18% | 1.67% | 3.50% |
| Q1 2026 | $810M | $686M | $362M | 0.30% | 2.84% | 3.50% |
| Q1 2024 | $1.1B | $727M | $395M | 0.29% | 4.43% | 2.94% |
| Q4 2023 | $1.0B | $752M | $401M | 0.61% | 9.65% | 3.24% |
| Q3 2023 | $1.0B | $779M | $395M | 0.61% | 9.96% | 3.25% |
| Q2 2023 | $1.0B | $772M | $393M | 0.60% | 9.42% | 3.29% |
| Q4 2022 | $1.1B | $956M | $373M | 0.85% | 12.99% | 2.96% |
| Q3 2022 | $1.1B | $997M | $361M | 0.80% | 11.71% | 2.75% |
| Q2 2022 | $1.1B | $949M | $357M | 0.55% | 7.39% | 2.62% |
| Q1 2022 | $1.1B | $944M | $340M | 0.54% | 6.73% | 2.53% |
| Q4 2021 | $1.1B | $917M | $353M | 1.00% | 10.58% | 2.76% |
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