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
Greensboro, AL
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Rating B
Asset Quality Index 7.60
Capitalization Index 10.00
Liquidity Index 5.20
Profitability Index 4.70
Stability Index 6.10
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 5.93%
5-Year Asset Growth 5.65%
5-Year Charge-Offs to Average Loans 0.05%
Charge-Offs to Average Loans 0.08%
Non-Performing Assets to Assets 0.20%
Non-Performing Loans to Capital 4.82%
Non-Performing Loans to Loans 0.69%
Balance Sheet The Citizens Bank
Greensboro, AL
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Total Assets 127.59M
Total Deposits 114.46M
Capital and Reserves The Citizens Bank
Greensboro, AL
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Capital 12.50M
Leverage Ratio 12.33
Loan Loss Reserves to Loans 1.30%
Risk-Based Capital Ratio 27.19
Liquidity The Citizens Bank
Greensboro, AL
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Hot Money Ratio 24.22%
Liquidity Ratio 50.59%
Profitability The Citizens Bank
Greensboro, AL
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5-Year Return on Average Assets 0.91%
Net Income 1.01M
Net Interest Spread 2.97%
Operating Profit to Average Assets 1.29%
Overhead Efficiency Ratio 53.84%
Return on Assets 1.08%
Return on Equity 12.38%