B
Citizens Bank
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Citizens Bank
Amarillo, TX
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Rating B
Asset Quality Index 7.50
Capitalization Index 9.30
Liquidity Index 3.10
Profitability Index 9.80
Stability Index 6.30
Company Info Citizens Bank
Amarillo, TX
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FDIC Number 3140
Phone Number (806) 350-5600
Website www.gocitizensbank.com
Asset Quality Citizens Bank
Amarillo, TX
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1-Year Asset Growth 19.34%
5-Year Asset Growth 8.28%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.00%
Non-Performing Loans to Loans 0.00%
Balance Sheet Citizens Bank
Amarillo, TX
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Total Assets 294.73M
Total Deposits 260.32M
Capital and Reserves Citizens Bank
Amarillo, TX
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Capital 28.67M
Leverage Ratio 10.50
Loan Loss Reserves to Loans 0.74%
Risk-Based Capital Ratio 15.10
Liquidity Citizens Bank
Amarillo, TX
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Hot Money Ratio 19.90%
Liquidity Ratio 32.86%
Profitability Citizens Bank
Amarillo, TX
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5-Year Return on Average Assets 2.03%
Net Income 5.20M
Net Interest Spread 4.82%
Operating Profit to Average Assets 2.59%
Overhead Efficiency Ratio 43.62%
Return on Assets 2.59%
Return on Equity 25.46%