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Citizens' Bank, Inc.

$100M-$1B Specialty: Other AL FDIC cert 23523

Robertsdale, AL

3 branches across AL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 63 in AL.
  • Deposits -0.2% year over year ($143.1M on the books).
  • Delinquency rate 0.14%.
  • Return on assets 1.16%.
  • Efficiency ratio 66.05% vs a 64.48% peer average.
  • Loan-to-deposit ratio 59.12% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 63 in AL
View $100M-$1B leaderboard (AL) →

Citizens' Bank, Inc. has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.78% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 39.3% in tier
  • - ROA 0.16% below tier average
  • - Net Interest Margin 0.20% below tier average
  • - Efficiency Ratio 1.57% above tier average
Get updates when Citizens' Bank, Inc. releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Total Assets ? $158.9M
+1.7% YoY +0.1% QoQ
-$227.7M $386.6M
+1.2% YoY
$2.5B
+1.5% YoY
$6.3B
+7.7% YoY
17%
Total Loans ? $84.6M
+6.3% YoY +1.9% QoQ
-$173.8M $258.3M
+1.7% YoY
$1.6B
+2.8% YoY
$3.2B
+9.4% YoY
Bottom 12.3% in tier
Total Deposits ? $143.1M
-0.2% YoY -0.4% QoQ
-$183.7M $326.7M
+0.7% YoY
$2.1B
+0.3% YoY
$4.9B
+7.3% YoY
19%
Return on Assets ? 1.16%
+64.4% YoY +14.9% QoQ
-0.16% 1.32%
+10.8% YoY
0.89%
-13.0% YoY
1.30%
+12.1% YoY
45%
Net Interest Margin ? 3.79%
+13.8% YoY +3.7% QoQ
-0.20% 3.99%
+5.0% YoY
4.02%
+3.4% YoY
3.95%
+4.9% YoY
41%
Efficiency Ratio ? 66.05%
-12.5% YoY -1.7% QoQ
+1.57% 64.48%
-3.2% YoY
69.53%
+4.0% YoY
70.05%
+2.5% YoY
39%
Delinquency Rate ? 0.14%
-53.9% YoY -45.6% QoQ
-0.78% 0.92%
+15.7% YoY
1.13%
+25.5% YoY
0.98%
+16.3% YoY
70%
Loan-to-Deposit Ratio ? 59.12%
+6.5% YoY +2.3% QoQ
-18.83% 77.95%
+1.0% YoY
67.62%
+0.9% YoY
79.03%
+2.3% YoY
84%
Non-Interest-Bearing Deposit Share ? 34.33%
+12.0% YoY +1.3% QoQ
+12.30% 22.03%
-0.6% YoY
24.04%
+0.1% YoY
21.98%
-0.6% YoY
Top 10.4% in tier
Nonperforming Asset Ratio ? 0.07%
-51.8% YoY -44.6% QoQ
-0.60% 0.67%
+16.4% YoY
0.74%
+25.2% YoY
0.69%
+15.8% YoY
75%
Tier 1 Capital Ratio ? 11.00%
+5.4% YoY +2.5% QoQ
-4.90% 15.91%
+1.4% YoY
15.01%
+1.3% YoY
17.09%
+0.8% YoY
23%
Non-Interest Income / Assets ? 0.10%
+28.6% YoY +86.2% QoQ
-0.46% 0.57%
+7.6% YoY
0.35%
-14.4% YoY
0.66%
+5.2% YoY
20%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Noninterest-Bearing 34.3%
+3.7pp YoY
+0.4pp QoQ
 +12.2pp 22.1% 24.0% 22.2% 90%
Brokered Deposits 7.8%
+1.1pp YoY
0.0pp QoQ
 -0.1pp 7.9% 5.5% 8.5% 67%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
C&I 10.8%
+2.7pp YoY
+1.2pp QoQ
 -0.7pp 11.6% 16.9% 12.5% 58%
CRE 35.9%
-5.0pp YoY
-3.8pp QoQ
 -3.7pp 39.5% 43.5% 41.4% 44%
1-4 Family 42.0%
+4.5pp YoY
+3.7pp QoQ
 +9.3pp 32.6% 30.6% 31.3% 73%
Consumer 6.2%
-1.9pp YoY
-0.6pp QoQ
 +2.0pp 4.1% 5.7% 5.0% 82%

Capital

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.1% 19.7% n/a
Leverage Ratio 11.0%
+0.6pp YoY
+0.3pp QoQ
 -1.2pp 12.2% 13.2% 12.6% 50%
Total Capital Ratio n/a n/a 19.9% 16.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Full-Time Employees 30
0 YoY
+1 (+3.4%) QoQ
 -29 58 304 482 26%
Assets per Employee ($) $5.3M
+1.7% YoY
-3.2% QoQ
 -$2.2M $7.5M $6.9M $8.8M 19%
Branch Count 3
0 YoY
0 QoQ
 -2 4 20 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 0.1%
-0.2pp YoY
-0.1pp QoQ
 -0.8pp 0.9% 1.2% 1.0% 23%
Allowance Coverage 8.09x
+110.7% YoY
+76.8% QoQ
 -16.07x 24.15x 7.50x 20.23x 79%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.3% 0.2% 64%

Profitability

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
ROE 12.6%
+3.5pp YoY
+1.5pp QoQ
 +0.4pp 12.2% 10.0% 11.6% 53%
Cost of Funds (YTD) 1.3%
-0.3pp YoY
0.0pp QoQ
 -0.4pp 1.7% 1.7% 1.7% 24%
Net Income ($, YTD) $915,000
+67.9% YoY
— QoQ
 -$1.6M $2.6M $17.2M $40.4M 24%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Capital Thin

risk
#261 of 661 • Bottom 39.3% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 11.00%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

277
Non-Interest-Bearing Deposit Share
funding
Value: 34.33%
Peer Median: 22.03%
#277 of 2643 Top 10.4% in $100M-$1B
429
Loan-to-Deposit Ratio
liquidity
Value: 59.12%
Peer Median: 77.95%
#429 of 2643 Top 16.2% in $100M-$1B

Top Weaknesses (5 metrics)

2320
Total Loans
size
Value: $84.58M
Peer Median: $258.35M
#2320 of 2643 Bottom 12.3% in $100M-$1B
2205
Total Assets
size
Value: $158.86M
Peer Median: $386.57M
#2205 of 2643 Bottom 16.6% in $100M-$1B
2137
Total Deposits
size
Value: $143.07M
Peer Median: $326.73M
#2137 of 2643 Bottom 19.2% in $100M-$1B
2121
Non-Interest Income / Assets
revenue_mix
Value: 0.10%
Peer Median: 0.57%
#2121 of 2643 Bottom 19.8% in $100M-$1B
2023
Tier 1 Capital Ratio
capital
Value: 11.00%
Peer Median: 15.91%
#2023 of 2643 Bottom 23.5% in $100M-$1B
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