The Citizens Bank
Greensboro, AL
IDRSSD: 571135
Total Assets
$130.70M
Latest filing
Total Deposits
$117.80M
Latest filing
Net Interest Margin
3.03%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The Citizens Bank
1300 State St
Greensboro, AL 36744
Full Service - Brick and Mortar
Updated 01/30/2026Established 11/01/1976FDIC Certificate 15565
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| The Citizens Bank (Main) | 1300 State St | Greensboro, AL | ||
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 | 11/01/1976 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 36744 |
| State and County Number | 01065 |
| 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 | Tuscaloosa, AL |
Operational Info
| Number of Employees | 13 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2022 |
| Date of Deposit Insurance | 11/01/1976 |
| Primary Insurance Agency | DIF |
| Website | N/A |
| Data Updated | 01/30/2026 |
| CERT | 22358 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $130.70M |
| Total Deposits | $117.80M |
| Total Liabilities | $118.44M |
| Total Equity Capital | $12.26M |
| Net Income | $221.00k |
| Net Loans and Leases | $39.43M |
| Assets Per Employee ($Millions) | $10.05M |
| Bank Premises and Fixed Assets | $271.00k |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $117.80M |
Key Performance Ratios
| Return on Assets (ROA) | 0.68% |
| Return on Equity (ROE) | 7.14% |
| Net Interest Margin | 3.03% |
| Efficiency Ratio | 67.58% |
| Tier 1 Risk-Based Capital Ratio | 24.564% |
| 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 | 9.382% |
| Earning Assets to total Assets | 96.04% |
Income and Expense
| Total Interest Income | $1.39M |
| Total Noninterest Income | $47.00k |
| Total Interest Expense | $449.00k |
| Total Noninterest Expense | $665.00k |
| Net Interest Income | $937.00k |
| Pre-tax Net Operating Income | $319.00k |
| 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 | $5.58M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $637.00k |
| Total Liabilities and Capital | $130.70M |
Securities
| Securities | $68.91M |
| Available-for-sale debt securities | $68.91M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$130.70M as of the latest filing.
How much are The Citizens Bank's total deposits?
$117.80M in total deposits.
Where is The Citizens Bank located?
Greensboro, AL.
What is the Net Interest Margin?
3.03%.
How many domestic offices does it operate?
1.
When was it established?
11/01/1976.
What is the Return on Assets (ROA)?
0.68%.
How much are total loans and leases?
$39.43M (latest filing).
What is the total interest income (latest filing)?
$1.39M.