B
The Citizens Bank
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings The Citizens Bank
Enterprise, AL
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Rating B
Asset Quality Index 7.90
Capitalization Index 8.00
Liquidity Index 2.60
Profitability Index 4.80
Stability Index 5.00
Company Info The Citizens Bank
Enterprise, AL
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FDIC Number 16369
Phone Number (334) 347-3411
Website www.tcbenterprise.com
Asset Quality The Citizens Bank
Enterprise, AL
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1-Year Asset Growth 6.20%
5-Year Asset Growth 9.92%
5-Year Charge-Offs to Average Loans 0.04%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 0.27%
Non-Performing Loans to Capital 2.28%
Non-Performing Loans to Loans 0.34%
Balance Sheet The Citizens Bank
Enterprise, AL
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Total Assets 245.73M
Total Deposits 223.85M
Capital and Reserves The Citizens Bank
Enterprise, AL
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Capital 20.80M
Leverage Ratio 9.69
Loan Loss Reserves to Loans 1.01%
Risk-Based Capital Ratio --
Liquidity The Citizens Bank
Enterprise, AL
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Hot Money Ratio 16.39%
Liquidity Ratio 21.73%
Profitability The Citizens Bank
Enterprise, AL
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5-Year Return on Average Assets 0.79%
Net Income 1.73M
Net Interest Spread 3.63%
Operating Profit to Average Assets 1.22%
Overhead Efficiency Ratio 63.92%
Return on Assets 0.95%
Return on Equity 11.98%