What is The Citizens Bank Company's financial health grade?

The Citizens Bank Company has a TFS Financial Health Grade of D+ (score: 68.3/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does The Citizens Bank Company have?

The Citizens Bank Company has 5 branch locations across the United States.

Is The Citizens Bank Company FDIC insured?

Yes, The Citizens Bank Company is FDIC insured (Certificate #10266).

What are the total assets of The Citizens Bank Company?

The Citizens Bank Company has total assets of $331.1M as reported in its most recent FDIC filing.

The Citizens Bank Company

BankBeverly, Ohio

www.thecitizens.com

Total Assets

$331.1M

Total Deposits

$289.1M

Branches

Established

1863

TFS Health Grade

D+

68.3 / 100

Below average financial health

How we grade

The Citizens Bank Company is a bank headquartered in Beverly, Ohio, established in 1863. With $331.1M in total assets and 5 branch locations, it has a TFS Financial Health Grade of D+ (68.3/100).

Capital & Safety

Tier 1 Capital Ratio

13.33%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

0.30%

Profitability

Return on Assets (ROA)

1.13%(1%)

Return on Equity (ROE)

10.25%(10%)

Net Interest Margin

3.48%

Efficiency Ratio

66.55%(60%)

Lending & Liquidity

Total Loans

$191.2M

Loan-to-Deposit Ratio

64.21%

Net Charge-Off Ratio

-0.02%

Growth

Asset Growth (YoY)

+3.24%

Deposit Growth (YoY)

+5.86%

Net Income

$3.7M

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.

Branch	Address	City	State	Type
The Citizens Bank CompanyHQ	501 5th St	Beverly	OH	11
The Citizens Bank Company	State Route 339	Barlow	OH	11
The Citizens Bank Company	2500 Washington Blvd	Belpre	OH	11
The Citizens Bank Company	U.S. 50, State Rte 7 & Township 508	Belpre Township	OH	11
The Citizens Bank Company	110 2nd St	Marietta	OH	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.