C
Citizens' Bank of Charleston
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Citizens' Bank of Charleston
Charleston, MO
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Rating C
Asset Quality Index 7.30
Capitalization Index 10.00
Liquidity Index 0.10
Profitability Index 10.00
Stability Index 3.70
Company Info Citizens' Bank of Charleston
Charleston, MO
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FDIC Number 17830
Phone Number (573) 683-3373
Website www.citizensbankinfo.com
Asset Quality Citizens' Bank of Charleston
Charleston, MO
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1-Year Asset Growth 3.23%
5-Year Asset Growth 6.04%
5-Year Charge-Offs to Average Loans 0.05%
Charge-Offs to Average Loans 0.06%
Non-Performing Assets to Assets 0.53%
Non-Performing Loans to Capital 2.55%
Non-Performing Loans to Loans 0.65%
Balance Sheet Citizens' Bank of Charleston
Charleston, MO
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Total Assets 183.16M
Total Deposits 146.02M
Capital and Reserves Citizens' Bank of Charleston
Charleston, MO
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Capital 36.20M
Leverage Ratio 20.24
Loan Loss Reserves to Loans 1.12%
Risk-Based Capital Ratio --
Liquidity Citizens' Bank of Charleston
Charleston, MO
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Hot Money Ratio 29.03%
Liquidity Ratio 10.12%
Profitability Citizens' Bank of Charleston
Charleston, MO
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5-Year Return on Average Assets 1.63%
Net Income 2.88M
Net Interest Spread 4.77%
Operating Profit to Average Assets 2.76%
Overhead Efficiency Ratio 43.90%
Return on Assets 2.13%
Return on Equity 10.94%