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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Robertsdale, AL · FDIC certificate #23523
CITIZENS BANK INC is an FDIC-insured institution based in Robertsdale, AL (FDIC certificate #23523). In its Q3 2026 Call Report it reported total assets of $162M, total deposits of $147M and net loans of $86M. Its primary federal regulator is FDIC.
Plain-language readout
CITIZENS BANK INC has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $162M in Q3 2026 and were lowest at $159M in Q1 2026.
Total deposits were highest at $147M in Q3 2026 and lowest at $143M in Q2 2026.
Over the whole period total assets rose 2.3%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $162M | $147M | $86M | 1.21% | 13.26% | 3.85% |
| Q2 2026 | $159M | $143M | $85M | 1.16% | 12.55% | 3.79% |
| Q1 2026 | $159M | $144M | $83M | 1.01% | 11.06% | 3.65% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $6.9M | $10.6M | -$3.7M | -34.8% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| 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) | $61.3M | $59.0M | +$2.3M | +3.9% |
| 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) | $84.6M | $83.0M | +$1.6M | +1.9% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $1.6M | $1.6M | -$41K | -2.5% |
| 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 | $4.5M | $4.3M | +$122K | +2.8% |
| Total assets | $158.9M | $158.6M | +$233K | +0.1% |
| Liabilities | ||||
| Total deposits | $143.1M | $143.7M | -$585K | -0.4% |
| 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 | $88K | $0K | +$88K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $657K | $636K | +$21K | +3.3% |
| Total liabilities | $143.8M | $144.3M | -$476K | -0.3% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $100K | $100K | $0K | 0.0% |
| Surplus | $700K | $700K | $0K | 0.0% |
| Retained earnings | $17.0M | $16.4M | +$518K | +3.1% |
| Accumulated other comprehensive income | -$2.7M | -$2.9M | +$191K | +6.6% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $15.0M | $14.3M | +$709K | +4.9% |
| Credit and capital | ||||
| Gross nonperforming assets | $117K | $211K | -$94K | -44.5% |
| Adjusted nonperforming assets | $117K | $211K | -$94K | -44.5% |
| Tangible equity plus allowance | $16.0M | $15.3M | +$690K | +4.5% |
| Texas ratio (gross) | 0.73% | 1.38% | -0.65 pts | See points |
| Texas ratio (adjusted) | 0.73% | 1.38% | -0.65 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.73% | 1.38% | -0.65 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 11.00% | 10.73% | +0.27 pts | See points |
| Construction and land loans to total capital | 40.50% | 39.05% | +1.45 pts | See points |
| Commercial real estate to total capital | 88.62% | 89.96% | -1.35 pts | See points |
| Dividend payout, year to date | 24.04% | 55.42% | -31.37 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -14.33% | -17.42% | +3.09 pts | See points |
| Liquidity | ||||
| Core deposits | $122.3M | $123.1M | -$874K | -0.7% |
| Non-core funding | $20.9M | $20.5M | +$377K | +1.8% |
| Loans to core deposits | 69.96% | 68.21% | +1.75 pts | See points |
| Loans to deposits | 59.78% | 58.46% | +1.32 pts | See points |
| Brokered deposits share of deposits | 7.76% | 7.73% | +0.03 pts | See points |
| Pledged securities share of securities | 12.22% | 12.72% | -0.49 pts | See points |
| Loans pledged, share of loans | 6.86% | 6.84% | +0.02 pts | See points |
| Volatile liabilities | $20.9M | $20.5M | +$377K | +1.8% |
| Earnings | ||||
| Earnings before provision, year to date | $1.0M | $478K | +$546K | +114.2% |
| Earnings before provision, single quarter | $546K | $478K | +$68K | +14.2% |
| Provision for credit losses, year to date | $53K | $53K | $0K | 0.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.87% | 6.40% | +0.47 pts | See points |
| Yield on interest-bearing balances due from banks | 3.06% | 2.85% | +0.21 pts | See points |
| Total interest income to average assets | 4.89% | 4.63% | +0.27 pts | See points |
| Cost of interest-bearing transaction accounts | 0.66% | 0.63% | +0.03 pts | See points |
| Cost of savings and money market deposits | 1.30% | 1.34% | -0.04 pts | See points |
| Cost of time deposits | 3.50% | 3.51% | -0.01 pts | See points |
| Total interest expense to average assets | 1.22% | 1.22% | -0.01 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 | $162M | $147M | $86M | 1.21% | 13.26% | 3.85% |
| 2026-06-30 | $159M | $143M | $85M | 1.16% | 12.55% | 3.79% |
| 2026-03-31 | $159M | $144M | $83M | 1.01% | 11.06% | 3.65% |
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 | $143.4M | 0.10% | 94 | 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.