Citizens' Bank, Inc.
Robertsdale, AL
IDRSSD: 563336
Total Assets
$155.97M
Latest filing
Total Deposits
$139.91M
Latest filing
Net Interest Margin
3.64%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Citizens' Bank, Inc.
21980 Palmer Street
Robertsdale, AL 36567
Full Service - Brick and Mortar
Updated 01/30/2026Established 09/08/1981FDIC Certificate 16476
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Citizens' Bank, Inc. (Main) | 21980 Palmer Street | Robertsdale, AL |
| FAIRHOPE BRANCH | 905 Plantation Blvd | Fairhope, AL |
| FOLEY BRANCH | 251 E Orange Ave | Foley, AL |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 09/08/1981 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 36567 |
| State and County Number | 01003 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Daphne-Fairhope-Foley, AL |
Operational Info
| Number of Employees | 30 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 09/08/1981 |
| Primary Insurance Agency | DIF |
| Website | WWW.CITIZENSBANKAL.COM |
| Data Updated | 01/30/2026 |
| CERT | 23523 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $155.97M |
| Total Deposits | $139.91M |
| Total Liabilities | $141.60M |
| Total Equity Capital | $14.38M |
| Net Income | $500.00k |
| Net Loans and Leases | $85.63M |
| Assets Per Employee ($Millions) | $5.38M |
| Bank Premises and Fixed Assets | $1.69M |
| Cash and Balances due from Depository Institutions | $6.39M |
| Deposits Held in Domestic Offices | $139.91M |
Key Performance Ratios
| Return on Assets (ROA) | 1.27% |
| Return on Equity (ROE) | 14.28% |
| Net Interest Margin | 3.64% |
| Efficiency Ratio | 68.41% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.218% |
| Earning Assets to total Assets | 95.35% |
Income and Expense
| Total Interest Income | $1.91M |
| Total Noninterest Income | $92.00k |
| Total Interest Expense | $553.00k |
| Total Noninterest Expense | $994.00k |
| Net Interest Income | $1.36M |
| Pre-tax Net Operating Income | $459.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $1.10M |
| All Other Liabilities | $594.00k |
| Total Liabilities and Capital | $155.97M |
Securities
| Securities | $57.97M |
| Available-for-sale debt securities | $40.49M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $17.47M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens' Bank, Inc.?
$155.97M as of the latest filing.
How much are Citizens' Bank, Inc.'s total deposits?
$139.91M in total deposits.
Where is Citizens' Bank, Inc. located?
Robertsdale, AL.
What is the Net Interest Margin?
3.64%.
How many domestic offices does it operate?
3.
When was it established?
09/08/1981.
What is the Return on Assets (ROA)?
1.27%.
How much are total loans and leases?
$85.63M (latest filing).
What is the total interest income (latest filing)?
$1.91M.