# CITIZENS BANK CO
BEVERLY, OH · FDIC certificate 10266 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $334.6M | |
| Deposits | $291.0M | |
| Loans and leases | $191.3M | |
| Total equity | $41.8M | |
| Loans / deposits | 63.78% (p17 of band) | 82.04% |
| Liquid assets / assets | 39.33% (p81 of band) | |
| Uninsured deposits / deposits | 24.51% (p44 of band) | 25.97% |
| Brokered deposits | 2.23% | |
| Wholesale funding | 2.23% (p43 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.56% (p83 of band) | 10.81% |
| Unrealized securities loss / equity | -10.40% (p42 of band) | -8.10% |
| AOCI / equity | 2.07% (p98 of band) | |
| ROA (annualized) | 1.46% (p62 of band) | 1.28% |
| Net interest margin | 3.74% (p40 of band) | 3.91% |
| Efficiency ratio | 59.90% (p46 of band) | |
| Noncurrent loans | 0.39% (p47 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p62 of band) | |
| Reserve coverage of noncurrent | 761.16% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 38.85% (p45 of band) | |
| Auto loans | $3.0M (1.55% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 2.5% | |
| Employees | 50 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 1 |  | reserve under noncurrent |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | AOCI drag >20% of equity |  |
| 2014-03 | 0 |  | AOCI drag >20% of equity |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 | charge-offs p90 | capital falling |
| 2015-06 | 0 |  | charge-offs p90 |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 3 | capital falling |  |
| 2022-12 | 2 |  | capital falling |
| 2023-03 | 1 | uninsured deposits leaving | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | securities losses >30% of equity |  |
| 2023-12 | 1 |  | securities losses >30% of equity |
| 2024-03 | 1 | deposits shrinking | uninsured deposits leaving |
| 2024-06 | 0 |  | deposits shrinking |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | securities losses >30% of equity |  |
| 2025-09 | 1 | capital falling | securities losses >30% of equity |
| 2025-12 | 0 |  | capital falling |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2021-08-16 [New owners plan $9M restoration for century-old Citizens Building in downtown Aberdeen - aberdeennews.com](https://news.google.com/rss/articles/CBMi5AFBVV95cUxNS3o2d09hMzYwUE10akRWVTVOamxxa2pOZ2tuajZlSkdBZHdJM2EwaUJETVRhSDhIcWxTUkxHTW5LSDhXb25GYk9CZ0w0bWMtUzBNZW5jNjctMzhNV2laMjE0bWEwNUlJeHJiclJmODV0RF82MGFTVWg3U1dPUk5WcUhEa3kweGpjeU1rSlBzLXk0SEdCRUo2N1N1OXM0WFNBUnBKTU9veC1QdUx0WFl0QzB6aHZ4ZHMxSWNrUjFhYXZlemhiaXRnd3ZXZjFmWE05QzNVSFp1TEFER1EwOGJVUUc5cEc?oc=5) · aberdeennews.com
- 2026-02-23 [Black History Month: BINJE.com Releases Best Black Leaders List, 11 From South Jersey Included - Front Runner New Jersey](https://news.google.com/rss/articles/CBMi0wFBVV95cUxPM2VDaEhQZTBucUMwSGlfQ2ZsdXJyM0t4eUUxY3Z1b19qUDFydUVUWmpJZkdtSWxWa01XUFJ4bXhMX21KcVRkMFdkVjF2cURYSUFBTGZHa3FJZTJLcGJaal8tcksyU3l1dUxRb19ERms5VEdhb3oySi1oUjhHODB1TTAzajctaDRmZlhSUFFxWDVXUXpfaHZCYXE1b3Z5LVZ4d1prLS1tbmNEWms3X3ZpaHZqU1N3WEZNdHVIQjk1Qm5ueThwQndZU0tWdjE3YTd3Q2pB?oc=5) · Front Runner New Jersey
- 2022-07-19 [Stepping Up for Ouachita 2022 honorees announced - Ouachita Baptist University](https://news.google.com/rss/articles/CBMikwFBVV95cUxOaTRmNnkwV2M1c3A1MC1VREdCblVKSHhYbHAtdGVPY2lYOGwtY0U2TkQ5NHBXblNsenlEZXJObTBWVkxrbTZvSEhfeHRhYnZuR3ItTFl0WTZOdzd0RUV3emoxTjdLSkR3OXE5c3ZtQlJOSTdoRTdrRTFia1FjeFJFVTdCZWdKZHpMTXdMUFhxVFZwMUU?oc=5) · Ouachita Baptist University
- 2025-02-06 [Louie Greene Scholarship Fund launched to support Happy Valley High School graduates - Elizabethton Star](https://news.google.com/rss/articles/CBMivgFBVV95cUxPc0x1MzdWeUFxTjUxSjJRREJEOWFkUFJWV0hBVWs4V1I0SlRQTV9CVXBJSkhlSDByaEgtWXRoYmtMa0tCd0dtUThSMGhraW1TVjliZTdzRF9lUEwtbHRjbVJZYmxqc1g5WDNYYlZlMVlIVFlsd3BTbGFfX19iNWVBbjlKNmJ6Wmo5VGk2ZmlHQ2U0dzFrUjc2ZkVWTkZZMHU5WV94OUdYeXJMSXNBSENhcU52OEFzVGdhMGVueEZ3?oc=5) · Elizabethton Star
- 2025-11-20 [Janie Dominique Obituary (1946 - 11/13/2025) - Greensboro, NC - Greensboro News & Record - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxNdkxucTFfSFF5VlRRVkdKaXpCNVpRTThrdkdHOXJPOGNOM2hSNVdXSkFxWnJManM3dGtlQktmQkFDR1huN29ZY3RLV0UyU2FFVzNlWHp6Q0NCTDBQRnBiWGlLeE02Ql9UYXlGYVZ4SlktLTNDYTFxaS1Wb0V1XzNQcTJHaG5jZVZuRWcwbkNidlJYTWs?oc=5) · legacy.com
- 2010-12-08 [Champions 35th anniversary ‘Red Party’ for ‘Toys for Tots’ - New Pittsburgh Courier](https://news.google.com/rss/articles/CBMioAFBVV95cUxQZkFidEUyM1hPT2xZUWZRNEF6U3F2YXZ4MmMwWk5lb3VtZlBweFdjSTg1S1AwcEJmWHZYQVdyNkNLcE15S2t5ZDNWRkNScVJHMGl6U1NFNlo3TGRZeG9hcWFxaWpmYzB1SEdreXY3OTNqQ1JwU2NPbklYb0dYWlBTTE83ZWttUkpDazY1TktPT043RjRNOEd0QnFSSWVxeXMz?oc=5) · New Pittsburgh Courier
- 2019-12-27 [It's About Time: City's first 'skyscraper' featured a rooftop garden - aberdeennews.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxOSXBNeVJrcm9nOHVZZEhzU0N5R3c1LVhQM2ZQMGwwbFBacjJaYjQ0NG1hZUdSbHh5Ri1jVTV2MWlDZ2JrdnEyOVJqZlk0QzJ1UFNfaEw1d1JvbExRVENjUTJWTHh0eEZBb3pOYm9Rd2laLUVFd3FJQWh3M0ptdmNKUnRnMHMzN09oOThURl9tS0pHQS1pQ0NicWVtRERSOVBzeHJiU01DWk9DXzBVb0ctNnlmczJUU0FBRHAtSFJBNk9OcTVlRWEyYlNwdjFNeVk?oc=5) · aberdeennews.com
- 2022-07-17 [Deborah Conrad Obituary (1950 - 2022) - Ormond Beach, FL - Union Leader - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxNcU1JV2FPUVd5V24zZDQ5VUpyX1VRVFJBczdWS0hvQW1GZ1k4Rml5NmRpQy16b21fSXBudG5JSzlldFdvdFJyTmdIUmdXeVpydXpLVW82NzhXOGg2RGs1XzVoU3c5TzdDODdSTC15VkFsT01SMlZSSHlRMS1vdVc1eThTblBYQi1SUjNfOS1sWVpGSHM?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10266 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/26.json (key "10266", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide