B
The Citizens Bank
Rating Date
March 2026
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings The Citizens Bank
Greensboro, AL
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Rating B
Asset Quality Index 7.50
Capitalization Index 10.00
Liquidity Index 5.20
Profitability Index 4.80
Stability Index 5.60
Company Info The Citizens Bank
Greensboro, AL
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FDIC Number 22358
Phone Number (334) 624-8888
Website www.greensborocitizensbank.com
Asset Quality The Citizens Bank
Greensboro, AL
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1-Year Asset Growth 7.26%
5-Year Asset Growth 3.00%
5-Year Charge-Offs to Average Loans 0.05%
Charge-Offs to Average Loans 0.06%
Non-Performing Assets to Assets 0.19%
Non-Performing Loans to Capital 5.24%
Non-Performing Loans to Loans 0.63%
Balance Sheet The Citizens Bank
Greensboro, AL
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Total Assets 130.70M
Total Deposits 117.80M
Capital and Reserves The Citizens Bank
Greensboro, AL
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Capital 12.26M
Leverage Ratio 11.80
Loan Loss Reserves to Loans 1.23%
Risk-Based Capital Ratio 25.58
Liquidity The Citizens Bank
Greensboro, AL
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Hot Money Ratio 23.75%
Liquidity Ratio 50.79%
Profitability The Citizens Bank
Greensboro, AL
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5-Year Return on Average Assets 0.91%
Net Income 1.24M
Net Interest Spread 3.01%
Operating Profit to Average Assets 1.21%
Overhead Efficiency Ratio 57.44%
Return on Assets 0.98%
Return on Equity 10.94%