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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Winfield, AL · FDIC certificate #52
CITIZENS BANK OF WINFIELD is an FDIC-insured institution based in Winfield, AL (FDIC certificate #52). In its Q3 2026 Call Report it reported total assets of $294M, total deposits of $216M and net loans of $112M. Its primary federal regulator is FDIC.
Plain-language readout
CITIZENS BANK OF WINFIELD has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $301M in Q2 2026 and were lowest at $293M in Q1 2026.
Total deposits were highest at $219M in Q1 2026 and lowest at $215M in Q2 2026.
Over the whole period total assets rose 0.1%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $294M | $216M | $112M | 0.35% | 3.90% | 2.77% |
| Q2 2026 | $301M | $215M | $112M | 0.43% | 4.56% | 2.78% |
| Q1 2026 | $293M | $219M | $113M | 0.49% | 5.27% | 2.74% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $13.6M | $11.1M | +$2.5M | +22.3% |
| 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) | $144.3M | $139.5M | +$4.8M | +3.4% |
| 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) | $112.3M | $112.8M | -$513K | -0.5% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $3.8M | $3.8M | +$14K | +0.4% |
| Other real estate owned | $355K | $10K | +$345K | +3450.0% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $14K | -$14K | -100.0% |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $26.9M | $26.2M | +$696K | +2.7% |
| Total assets | $301.3M | $293.4M | +$7.8M | +2.7% |
| Liabilities | ||||
| Total deposits | $215.2M | $219.4M | -$4.3M | -1.9% |
| 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 | $54.0M | $44.5M | +$9.5M | +21.3% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $2.7M | $2.7M | +$28K | +1.0% |
| Total liabilities | $271.9M | $266.6M | +$5.3M | +2.0% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $3K | $3K | $0K | 0.0% |
| Surplus | $597K | $597K | $0K | 0.0% |
| Retained earnings | $58.0M | $57.8M | +$277K | +0.5% |
| Accumulated other comprehensive income | -$29.3M | -$31.5M | +$2.3M | +7.2% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $29.4M | $26.8M | +$2.5M | +9.5% |
| Credit and capital | ||||
| Gross nonperforming assets | $645K | $72K | +$573K | +795.8% |
| Adjusted nonperforming assets | $645K | $72K | +$573K | +795.8% |
| Tangible equity plus allowance | $30.5M | $27.9M | +$2.7M | +9.5% |
| Texas ratio (gross) | 2.11% | 0.26% | +1.85 pts | See points |
| Texas ratio (adjusted) | 2.11% | 0.26% | +1.85 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 2.66% | 3.34% | -0.68 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) | 17.51% | 17.48% | +0.03 pts | See points |
| Construction and land loans to total capital | 16.32% | 20.54% | -4.22 pts | See points |
| Commercial real estate to total capital | 21.70% | 28.38% | -6.69 pts | See points |
| Dividend payout, year to date | 3.93% | 6.98% | -3.05 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -69.70% | -73.37% | +3.68 pts | See points |
| Liquidity | ||||
| Core deposits | $153.9M | $157.7M | -$3.8M | -2.4% |
| Non-core funding | $115.3M | $106.2M | +$9.0M | +8.5% |
| Loans to core deposits | 73.70% | 72.19% | +1.51 pts | See points |
| Loans to deposits | 52.72% | 51.88% | +0.84 pts | See points |
| Brokered deposits share of deposits | 1.82% | 4.62% | -2.80 pts | See points |
| Pledged securities share of securities | 90.55% | 89.43% | +1.12 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $115.3M | $106.2M | +$9.0M | +8.5% |
| Earnings | ||||
| Earnings before provision, year to date | $1.4M | $660K | +$725K | +109.8% |
| Earnings before provision, single quarter | $725K | $660K | +$65K | +9.8% |
| Provision for credit losses, year to date | $428K | $152K | +$276K | +181.6% |
| Yield and cost | ||||
| Yield on loans and leases | 8.18% | 8.03% | +0.15 pts | See points |
| Yield on interest-bearing balances due from banks | 4.49% | 4.23% | +0.26 pts | See points |
| Total interest income to average assets | 4.58% | 4.51% | +0.07 pts | See points |
| Cost of interest-bearing transaction accounts | 1.84% | 1.71% | +0.14 pts | See points |
| Cost of savings and money market deposits | 1.48% | 1.30% | +0.18 pts | See points |
| Cost of time deposits | 3.88% | 3.82% | +0.06 pts | See points |
| Total interest expense to average assets | 2.34% | 2.33% | +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 | $294M | $216M | $112M | 0.35% | 3.90% | 2.77% |
| 2026-06-30 | $301M | $215M | $112M | 0.43% | 4.56% | 2.78% |
| 2026-03-31 | $293M | $219M | $113M | 0.49% | 5.27% | 2.74% |
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 | $200.5M | 0.14% | 81 | Continuing · -0.03 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.