D
Citizens Bank
Rating Date
August 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 3.00
Capitalization Index 10.00
Liquidity Index 0.10
Profitability Index 6.10
Stability Index 8.30
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 1.51%
5-Year Asset Growth 7.84%
5-Year Charge-Offs to Average Loans -0.11%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 2.64%
Non-Performing Loans to Capital 17.66%
Non-Performing Loans to Loans 3.00%
Balance Sheet Citizens Bank
New Haven, MO
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Total Assets 357.45M
Total Deposits 305.37M
Capital and Reserves Citizens Bank
New Haven, MO
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Capital 47.77M
Leverage Ratio 13.10
Loan Loss Reserves to Loans 1.64%
Risk-Based Capital Ratio 16.37
Liquidity Citizens Bank
New Haven, MO
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Hot Money Ratio 23.27%
Liquidity Ratio 11.06%
Profitability Citizens Bank
New Haven, MO
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5-Year Return on Average Assets 1.09%
Net Income 2.38M
Net Interest Spread 4.12%
Operating Profit to Average Assets 1.66%
Overhead Efficiency Ratio 60.56%
Return on Assets 1.31%
Return on Equity 10.17%