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
Batesville, AR
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Rating B
Asset Quality Index 8.00
Capitalization Index 7.10
Liquidity Index 2.80
Profitability Index 6.20
Stability Index 7.40
Company Info The Citizens Bank
Batesville, AR
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FDIC Number 17211
Phone Number (870) 793-4441
Website www.thecitizensbank.net
Asset Quality The Citizens Bank
Batesville, AR
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1-Year Asset Growth 3.97%
5-Year Asset Growth 12.30%
5-Year Charge-Offs to Average Loans 0.10%
Charge-Offs to Average Loans 0.18%
Non-Performing Assets to Assets 0.23%
Non-Performing Loans to Capital 2.31%
Non-Performing Loans to Loans 0.29%
Balance Sheet The Citizens Bank
Batesville, AR
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Total Assets 1.58B
Total Deposits 1.45B
Capital and Reserves The Citizens Bank
Batesville, AR
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Capital 129.67M
Leverage Ratio 9.05
Loan Loss Reserves to Loans 1.36%
Risk-Based Capital Ratio 11.40
Liquidity The Citizens Bank
Batesville, AR
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Hot Money Ratio 21.99%
Liquidity Ratio 19.01%
Profitability The Citizens Bank
Batesville, AR
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5-Year Return on Average Assets 0.89%
Net Income 16.13M
Net Interest Spread 3.59%
Operating Profit to Average Assets 1.66%
Overhead Efficiency Ratio 52.67%
Return on Assets 1.41%
Return on Equity 17.19%