Citizens' Bank, Inc.

BankRobertsdale, Alabama
WWW.CITIZENSBANKAL.COM

Total Assets

$156.0M

Total Deposits

$139.9M

Branches

3

Established

1981

TFS Health Grade

$
D-

62.6 / 100

Below average financial health

How we grade

Citizens' Bank, Inc. is a bank headquartered in Robertsdale, Alabama, established in 1981. With $156.0M in total assets and 3 branch locations, it has a TFS Financial Health Grade of D- (62.6/100).

Capital & Safety

Tier 1 Capital Ratio
10.56%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.30%

Profitability

Return on Assets (ROA)
0.91%(1%)
Return on Equity (ROE)
11.09%(10%)
Net Interest Margin
3.49%
Efficiency Ratio
72.61%(60%)

Lending & Liquidity

Total Loans
$86.5M
Loan-to-Deposit Ratio
61.20%
Net Charge-Off Ratio
0.01%

Growth

Asset Growth (YoY)
+3.00%
Deposit Growth (YoY)
+0.33%
Net Income
$1.4M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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