The Citizens Bank
Enterprise, AL
IDRSSD: 374130
Total Assets
$241.80M
Latest filing
Total Deposits
$190.97M
Latest filing
Net Interest Margin
3.83%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
062105710ENTERPRISE, AL
Key People
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Locations
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Main Office
The Citizens Bank
301 S Edwards St
Enterprise, AL 36330
Full Service - Brick and Mortar
Updated 01/30/2026Established 02/05/1946FDIC Certificate 10551
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Citizens Bank (Main) | 301 S Edwards St | Enterprise, AL |
| FAIRHOPE BRANCH | 104 S Section St | Fairhope, AL |
Showing 1 of 1
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 | 02/05/1946 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 36330 |
| State and County Number | 01031 |
| Subchapter S Corporations | No |
| Trust Powers | Trust Powers Grandfathered |
| 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 | Enterprise, AL |
Operational Info
| Number of Employees | 29 |
| Domestic Offices | 2 |
| 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 | 02/05/1946 |
| Primary Insurance Agency | DIF |
| Website | www.tcbenterprise.com |
| Data Updated | 01/30/2026 |
| CERT | 16369 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $241.80M |
| Total Deposits | $190.97M |
| Total Liabilities | $220.09M |
| Total Equity Capital | $21.71M |
| Net Income | $719.00k |
| Net Loans and Leases | $173.47M |
| Assets Per Employee ($Millions) | $8.34M |
| Bank Premises and Fixed Assets | $2.54M |
| Cash and Balances due from Depository Institutions | $17.66M |
| Deposits Held in Domestic Offices | $190.97M |
Key Performance Ratios
| Return on Assets (ROA) | 1.18% |
| Return on Equity (ROE) | 13.53% |
| Net Interest Margin | 3.83% |
| Efficiency Ratio | 61.13% |
| 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 | 8.98% |
| Earning Assets to total Assets | 95.03% |
Income and Expense
| Total Interest Income | $3.48M |
| Total Noninterest Income | $163.00k |
| Total Interest Expense | $1.26M |
| Total Noninterest Expense | $1.46M |
| Net Interest Income | $2.22M |
| Pre-tax Net Operating Income | $929.00k |
| Provision for Credit Losses | $-2,000 |
| 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 | $20.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $8.00M |
| All Other Liabilities | $1.12M |
| Total Liabilities and Capital | $241.80M |
Securities
| Securities | $38.19M |
| Available-for-sale debt securities | $38.19M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $2.60M |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Citizens Bank?
$241.80M as of the latest filing.
How much are The Citizens Bank's total deposits?
$190.97M in total deposits.
Where is The Citizens Bank located?
Enterprise, AL.
What is the Net Interest Margin?
3.83%.
How many domestic offices does it operate?
2.
When was it established?
02/05/1946.
What is the Return on Assets (ROA)?
1.18%.
How much are total loans and leases?
$173.47M (latest filing).
What is the total interest income (latest filing)?
$3.48M.