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The Citizens Bank

Enterprise, AL
IDRSSD: 374130
Total Assets
$245.73M
Latest filing
Total Deposits
$223.85M
Latest filing
Net Interest Margin
3.74%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date02/05/1946
Community BankYes
Ownership TypeNot Mutual
ZIP36330
State and County Number01031
Subchapter S CorporationsNo
Trust PowersTrust Powers Grandfathered
Federal Reserve ID Number06
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictAtlanta
Core Based Statistical Area NameEnterprise, AL

Operational Info

Number of Employees29
Domestic Offices2
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance02/05/1946
Primary Insurance AgencyDIF
Websitewww.tcbenterprise.com
Data Updated11/14/2025
CERT16369
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$245.73M
Total Deposits$223.85M
Total Liabilities$224.92M
Total Equity Capital$20.80M
Net Income$656.00k
Net Loans and Leases$171.87M
Assets Per Employee ($Millions)$8.47M
Bank Premises and Fixed Assets$2.52M
Cash and Balances due from Depository Institutions$23.43M
Deposits Held in Domestic Offices$223.85M

Key Performance Ratios

Return on Assets (ROA)1.06%
Return on Equity (ROE)13.06%
Net Interest Margin3.74%
Efficiency Ratio60.47%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.2%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets8.466%
Earning Assets to total Assets95.44%

Income and Expense

Total Interest Income$3.49M
Total Noninterest Income$243.00k
Total Interest Expense$1.29M
Total Noninterest Expense$1.48M
Net Interest Income$2.20M
Pre-tax Net Operating Income$844.00k
Provision for Credit Losses$122.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$66.00k
Other borrowed funds$0
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$1.07M
Total Liabilities and Capital$245.73M

Securities

Securities$39.24M
Available-for-sale debt securities$39.24M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$0
Subordinated Debt$0
Trading Account Assets$2.05M
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of The Citizens Bank?
$245.73M as of the latest filing.
How much are The Citizens Bank's total deposits?
$223.85M in total deposits.
Where is The Citizens Bank located?
Enterprise, AL.
What is the Net Interest Margin?
3.74%.
How many domestic offices does it operate?
2.
When was it established?
02/05/1946.
What is the Return on Assets (ROA)?
1.06%.
How much are total loans and leases?
$171.87M (latest filing).
What is the total interest income (latest filing)?
$3.49M.