B
The Citizens Bank
Rating Date
August 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 7.20
Capitalization Index 10.00
Liquidity Index 5.30
Profitability Index 4.90
Stability Index 5.90
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 1.71%
5-Year Asset Growth 3.00%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans 0.06%
Non-Performing Assets to Assets 0.21%
Non-Performing Loans to Capital 4.31%
Non-Performing Loans to Loans 0.72%
Balance Sheet The Citizens Bank
Greensboro, AL
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Total Assets 129.20M
Total Deposits 116.16M
Capital and Reserves The Citizens Bank
Greensboro, AL
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Capital 12.42M
Leverage Ratio 12.22
Loan Loss Reserves to Loans 1.32%
Risk-Based Capital Ratio 21.83
Liquidity The Citizens Bank
Greensboro, AL
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Hot Money Ratio 26.17%
Liquidity Ratio 53.58%
Profitability The Citizens Bank
Greensboro, AL
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5-Year Return on Average Assets 0.95%
Net Income 710.00K
Net Interest Spread 3.06%
Operating Profit to Average Assets 1.37%
Overhead Efficiency Ratio 53.46%
Return on Assets 1.09%
Return on Equity 11.51%