B
The Citizens Bank
Rating Date
June 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 7.90
Capitalization Index 10.00
Liquidity Index 5.20
Profitability Index 3.10
Stability Index 5.30
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 8.72%
5-Year Asset Growth 5.65%
5-Year Charge-Offs to Average Loans 0.05%
Charge-Offs to Average Loans 0.12%
Non-Performing Assets to Assets 0.11%
Non-Performing Loans to Capital 4.17%
Non-Performing Loans to Loans 0.37%
Balance Sheet The Citizens Bank
Greensboro, AL
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Total Assets 124.77M
Total Deposits 113.43M
Capital and Reserves The Citizens Bank
Greensboro, AL
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Capital 10.75M
Leverage Ratio 12.19
Loan Loss Reserves to Loans 1.21%
Risk-Based Capital Ratio 25.90
Liquidity The Citizens Bank
Greensboro, AL
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Hot Money Ratio 22.99%
Liquidity Ratio 48.59%
Profitability The Citizens Bank
Greensboro, AL
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5-Year Return on Average Assets 0.91%
Net Income 304.00K
Net Interest Spread 2.87%
Operating Profit to Average Assets 1.19%
Overhead Efficiency Ratio 56.61%
Return on Assets 0.99%
Return on Equity 11.93%