D
Citizens Bank
Rating Date
October 2025
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 5.40
Stability Index 7.50
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 10.45%
5-Year Asset Growth 8.79%
5-Year Charge-Offs to Average Loans 0.10%
Charge-Offs to Average Loans -0.01%
Non-Performing Assets to Assets 2.11%
Non-Performing Loans to Capital 14.92%
Non-Performing Loans to Loans 2.30%
Balance Sheet Citizens Bank
New Haven, MO
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Total Assets 352.13M
Total Deposits 303.92M
Capital and Reserves Citizens Bank
New Haven, MO
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Capital 43.95M
Leverage Ratio 12.98
Loan Loss Reserves to Loans 1.59%
Risk-Based Capital Ratio 14.53
Liquidity Citizens Bank
New Haven, MO
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Hot Money Ratio 24.57%
Liquidity Ratio 5.97%
Profitability Citizens Bank
New Haven, MO
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5-Year Return on Average Assets 1.07%
Net Income 1.90M
Net Interest Spread 4.10%
Operating Profit to Average Assets 1.43%
Overhead Efficiency Ratio 64.88%
Return on Assets 1.14%
Return on Equity 8.80%