B
Citizens' Bank, Inc.
Rating Date
March 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
10.56
Return On
Assets
0.90%
Total
Assets
155.97M
Capital
14.38M
Total
Deposits
139.91M
Net
Income
1.42M
My Lists My Alerts
Weiss Ratings Citizens' Bank, Inc.
Robertsdale, AL 		Click to
Compare		 Click to
Compare		 Click to
Compare
Rating B
Asset Quality Index 8.40
Capitalization Index 9.30
Liquidity Index 3.20
Profitability Index 4.00
Stability Index 5.20
Company Info Citizens' Bank, Inc.
Robertsdale, AL 		Click to
Compare		 Click to
Compare		 Click to
Compare
FDIC Number 23523
Phone Number (251) 947-1981
Website www.citizensbankal.com
Asset Quality Citizens' Bank, Inc.
Robertsdale, AL 		Click to
Compare		 Click to
Compare		 Click to
Compare
1-Year Asset Growth 3.00%
5-Year Asset Growth 3.95%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.17%
Non-Performing Loans to Capital 1.45%
Non-Performing Loans to Loans 0.30%
Balance Sheet Citizens' Bank, Inc.
Robertsdale, AL 		Click to
Compare		 Click to
Compare		 Click to
Compare
Total Assets 155.97M
Total Deposits 139.91M
Capital and Reserves Citizens' Bank, Inc.
Robertsdale, AL 		Click to
Compare		 Click to
Compare		 Click to
Compare
Capital 14.38M
Leverage Ratio 10.56
Loan Loss Reserves to Loans 1.05%
Risk-Based Capital Ratio --
Liquidity Citizens' Bank, Inc.
Robertsdale, AL 		Click to
Compare		 Click to
Compare		 Click to
Compare
Hot Money Ratio 12.17%
Liquidity Ratio 40.04%
Profitability Citizens' Bank, Inc.
Robertsdale, AL 		Click to
Compare		 Click to
Compare		 Click to
Compare
5-Year Return on Average Assets 0.66%
Net Income 1.42M
Net Interest Spread 3.49%
Operating Profit to Average Assets 0.93%
Overhead Efficiency Ratio 72.61%
Return on Assets 0.90%
Return on Equity 11.12%