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.

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
NameAddressCity / State
The Citizens Bank (Main)301 S Edwards StEnterprise, AL
FAIRHOPE BRANCH104 S Section StFairhope, 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

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 Updated01/30/2026
CERT16369
Office of The Comptroller District:
Office of Thrift Supervision RegionN/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 Margin3.83%
Efficiency Ratio61.13%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets8.98%
Earning Assets to total Assets95.03%

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.