D
Citizens Bank
Rating Date
March 2026
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Citizens Bank
New Haven, MO
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Rating D
Asset Quality Index 2.90
Capitalization Index 10.00
Liquidity Index 0.10
Profitability Index 5.70
Stability Index 8.10
Company Info Citizens Bank
New Haven, MO
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FDIC Number 14488
Phone Number (573) 237-3051
Website www.citizensbankmo.bank
Asset Quality Citizens Bank
New Haven, MO
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1-Year Asset Growth 8.08%
5-Year Asset Growth 7.84%
5-Year Charge-Offs to Average Loans 0.10%
Charge-Offs to Average Loans -0.01%
Non-Performing Assets to Assets 2.17%
Non-Performing Loans to Capital 14.68%
Non-Performing Loans to Loans 2.38%
Balance Sheet Citizens Bank
New Haven, MO
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Total Assets 350.18M
Total Deposits 300.44M
Capital and Reserves Citizens Bank
New Haven, MO
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Capital 45.92M
Leverage Ratio 12.86
Loan Loss Reserves to Loans 1.62%
Risk-Based Capital Ratio 15.53
Liquidity Citizens Bank
New Haven, MO
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Hot Money Ratio 23.73%
Liquidity Ratio 7.12%
Profitability Citizens Bank
New Haven, MO
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5-Year Return on Average Assets 1.07%
Net Income 3.93M
Net Interest Spread 4.15%
Operating Profit to Average Assets 1.44%
Overhead Efficiency Ratio 66.04%
Return on Assets 1.15%
Return on Equity 8.93%