The Citizens Bank of Winfield
Winfield, AL
IDRSSD: 293437
Total Assets
$281.55M
Latest filing
Total Deposits
$217.23M
Latest filing
Net Interest Margin
2.71%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
The Citizens Bank of Winfield
236 Bankhead Hwy
Winfield, AL 35594
Full Service - Brick and Mortar
Updated 11/14/2025Established 05/22/1920FDIC Certificate 33
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| The Citizens Bank of Winfield (Main) | 236 Bankhead Hwy | Winfield, AL | ||
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
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 | 05/22/1920 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 35594 |
| State and County Number | 01093 |
| Subchapter S Corporations | No |
| 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 | N/A |
Operational Info
| Number of Employees | 34 |
| Domestic Offices | 1 |
| 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 | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.cbwinfield.com |
| Data Updated | 11/14/2025 |
| CERT | 52 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $281.55M |
| Total Deposits | $217.23M |
| Total Liabilities | $255.66M |
| Total Equity Capital | $25.89M |
| Net Income | $418.00k |
| Net Loans and Leases | $98.83M |
| Assets Per Employee ($Millions) | $8.28M |
| Bank Premises and Fixed Assets | $3.85M |
| Cash and Balances due from Depository Institutions | $12.68M |
| Deposits Held in Domestic Offices | $217.23M |
Key Performance Ratios
| Return on Assets (ROA) | 0.6% |
| Return on Equity (ROE) | 6.95% |
| Net Interest Margin | 2.71% |
| Efficiency Ratio | 70.46% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.1% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.196% |
| Earning Assets to total Assets | 88.79% |
Income and Expense
| Total Interest Income | $3.61M |
| Total Noninterest Income | $234.00k |
| Total Interest Expense | $1.96M |
| Total Noninterest Expense | $1.33M |
| Net Interest Income | $1.66M |
| Pre-tax Net Operating Income | $490.00k |
| Provision for Credit Losses | $68.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $10.00k |
| Other borrowed funds | $35.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.43M |
| Total Liabilities and Capital | $281.55M |
Securities
| Securities | $140.81M |
| Available-for-sale debt securities | $140.81M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Citizens Bank of Winfield?
$281.55M as of the latest filing.
How much are The Citizens Bank of Winfield's total deposits?
$217.23M in total deposits.
Where is The Citizens Bank of Winfield located?
Winfield, AL.
What is the Net Interest Margin?
2.71%.
How many domestic offices does it operate?
1.
When was it established?
05/22/1920.
What is the Return on Assets (ROA)?
0.6%.
How much are total loans and leases?
$98.83M (latest filing).
What is the total interest income (latest filing)?
$3.61M.