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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Greensboro, AL · FDIC certificate #22358
CITIZENS BANK is an FDIC-insured institution based in Greensboro, AL (FDIC certificate #22358). In its Q3 2026 Call Report it reported total assets of $126M, total deposits of $114M and net loans of $38M. Its primary federal regulator is FDIC.
Plain-language readout
CITIZENS BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $130M in Q1 2026 and were lowest at $126M in Q3 2026.
Total deposits were highest at $117M in Q1 2026 and lowest at $114M in Q3 2026.
Over the whole period total assets fell 3.1%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $126M | $114M | $38M | 1.12% | 11.92% | 2.99% |
| Q2 2026 | $129M | $116M | $37M | 1.09% | 11.51% | 2.98% |
| Q1 2026 | $130M | $117M | $39M | 1.10% | 11.62% | 2.96% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $14.1M | $13.9M | +$176K | +1.3% |
| Federal funds sold | $6.5M | $4.9M | +$1.5M | +30.6% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $67.2M | $68.3M | -$1.1M | -1.6% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $37.2M | $38.6M | -$1.3M | -3.5% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $250K | $265K | -$15K | -5.7% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $4.0M | $3.8M | +$182K | +4.8% |
| Total assets | $129.2M | $129.8M | -$587K | -0.5% |
| Liabilities | ||||
| Total deposits | $116.2M | $116.9M | -$705K | -0.6% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $626K | $601K | +$25K | +4.2% |
| Total liabilities | $116.8M | $117.5M | -$680K | -0.6% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $35K | $35K | $0K | 0.0% |
| Surplus | $515K | $515K | $0K | 0.0% |
| Retained earnings | $15.3M | $15.0M | +$355K | +2.4% |
| Accumulated other comprehensive income | -$3.5M | -$3.2M | -$262K | -8.1% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $12.4M | $12.3M | +$93K | +0.8% |
| Credit and capital | ||||
| Gross nonperforming assets | $707K | $616K | +$91K | +14.8% |
| Adjusted nonperforming assets | $707K | $616K | +$91K | +14.8% |
| Tangible equity plus allowance | $12.9M | $12.8M | +$86K | +0.7% |
| Texas ratio (gross) | 5.47% | 4.80% | +0.67 pts | See points |
| Texas ratio (adjusted) | 5.47% | 4.80% | +0.67 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 5.47% | 4.80% | +0.67 pts | See points |
| Tier 1 capital to risk-weighted assets | 26.46% | 25.45% | +1.01 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 26.46% | 25.45% | +1.01 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.05% | 1.05% | +0.01 pts | See points |
| Total risk-based capital to risk-weighted assets | 27.51% | 26.49% | +1.02 pts | See points |
| Tier 1 leverage (approximate) | 12.22% | 11.94% | +0.28 pts | See points |
| Construction and land loans to total capital | 1.13% | 0.28% | +0.84 pts | See points |
| Commercial real estate to total capital | 1.73% | 0.89% | +0.84 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -29.57% | -27.96% | -1.61 pts | See points |
| Liquidity | ||||
| Core deposits | $99.9M | $100.7M | -$826K | -0.8% |
| Non-core funding | $16.2M | $16.1M | +$121K | +0.8% |
| Loans to core deposits | 37.76% | 38.79% | -1.03 pts | See points |
| Loans to deposits | 32.48% | 33.44% | -0.96 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 37.49% | 38.52% | -1.03 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $16.2M | $16.1M | +$121K | +0.8% |
| Earnings | ||||
| Earnings before provision, year to date | $909K | $474K | +$435K | +91.8% |
| Earnings before provision, single quarter | $435K | $474K | -$39K | -8.2% |
| Provision for credit losses, year to date | $15K | $15K | $0K | 0.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.77% | 6.80% | -0.03 pts | See points |
| Yield on interest-bearing balances due from banks | 3.91% | 3.34% | +0.56 pts | See points |
| Total interest income to average assets | 4.19% | 4.16% | +0.03 pts | See points |
| Cost of interest-bearing transaction accounts | 0.27% | 0.24% | +0.03 pts | See points |
| Cost of savings and money market deposits | 0.26% | 0.26% | +0.00 pts | See points |
| Cost of time deposits | 3.43% | 3.52% | -0.09 pts | See points |
| Total interest expense to average assets | 1.34% | 1.31% | +0.03 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $126M | $114M | $38M | 1.12% | 11.92% | 2.99% |
| 2026-06-30 | $129M | $116M | $37M | 1.09% | 11.51% | 2.98% |
| 2026-03-31 | $130M | $117M | $39M | 1.10% | 11.62% | 2.96% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| AL | $115.5M | 0.08% | 101 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.