# CITIZENS BANK
BYHALIA, MS · FDIC certificate 11432 · asset band <$300M · latest filing 2020-09 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (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 | $85.9M | |
| Deposits | $75.1M | |
| Loans and leases | $38.7M | |
| Total equity | $10.3M | |
| Loans / deposits | 51.03% (p18 of band) | 72.51% |
| Liquid assets / assets | 51.58% (p81 of band) | |
| Uninsured deposits / deposits | 9.14% (p17 of band) | 17.44% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p20 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.06% (p64 of band) | 10.85% |
| Unrealized securities loss / equity | 4.59% (p67 of band) | 2.55% |
| AOCI / equity | 1.54% (p53 of band) | |
| ROA (annualized) | 0.67% (p31 of band) | 0.95% |
| Net interest margin | 3.79% (p63 of band) | 3.57% |
| Efficiency ratio | 77.90% (p70 of band) | |
| Noncurrent loans | 0.38% (p45 of band) | 0.49% |
| Net charge-offs (annualized) | 0.09% (p81 of band) | |
| Reserve coverage of noncurrent | 248.98% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 73.06% (p91 of band) | |
| Auto loans | $2.5M (6.51% of loans; DQ 1.47%, NCO 0.08%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 15.6% | |
| Employees | 21 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 1 | uninsured deposits leaving |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | uninsured deposits leaving |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 1 | reserve under noncurrent | capital falling |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | uninsured deposits leaving |  |
| 2014-12 | 0 |  | uninsured deposits leaving |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2016-09 | 1 |  | uninsured deposits leaving |
| 2016-12 | 2 | uninsured deposits leaving |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | uninsured deposits leaving |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | reserve under noncurrent |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | uninsured deposits leaving |  |
| 2020-09 | 1 | capital falling | uninsured deposits leaving |

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

- 2026-06-01 [“We Closed Our Account”: Advocates Call for Boycott of Citizens Bank for Financing ICE Jails - Democracy Now!](https://news.google.com/rss/articles/CBMiZkFVX3lxTE5lQ1hvNzNtMUtPMnZBQXpnSy0xZFBqZnBqWEZxUFJZVUtpQUJwdW8wc1dKM1FOdXdWVzZnelItZmpsQVA3YU9xN0hnUklLNVpGWmFSQXVOMkVheEFmR1BSQnBtcGRudw?oc=5) · Democracy Now!
- 2026-09-09 [Citizens Bank signs participation agreement with Bangladesh Bank under CMSME Refinance Fund - The Financial Express](https://news.google.com/rss/articles/CBMi4AFBVV95cUxPbHp4NGt0X0RsQjNSZUF3OUY3YndvZ0RiVzdQYV83UkQtaFRtX1Y5VTByRmptcDExUFZNaEVHejdYTnBmYlNacng5aE5pWXpGV3R1eHhrT2FjTGUzNDIwcWhtXzBlWjlKcDQzUTNoTE1PaXF2RUVHaTlaQ2d6eG84bGg2NEg4ZHBwZ2JTckRKeWM1M3dTb3lLMHZqRmRtVUpyWnpITzYtUXowcG5MX0gzbTRLOWJjYWNhbFZjd1FodDhjaXAtYk5hdTUxdDNjSkxSX1dNQ2NoWlN1dFVDSDFiMA?oc=5) · The Financial Express
- 2026-03-10 [Protesters target Citizens Bank for funding U.S. ICE detention contractors CoreCivic, Geo Group - Inquirer.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNNmRpLVF0T2Z1bTNGNkdodW8xVmhyUXZtdXYxc3VvMXRUQmZMUTg1UGI2alh4dGVQWVA0SEZHTVA2eHBad2M3SXgydnl2RGxTZlNCVERLUEI3OVJBYWljQlB1dVJ4ZUxmUVdzTlpCZjZsYzY1bm5XX084bENFVVVoQXBfYzZoaXlN?oc=5) · Inquirer.com
- 2026-07-17 [The Citizens Bank Partners with To The Top Collective to Support USM Student-Athletes - Sports Illustrated](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQdm9QU3VxSDhtcUpzX3ZYYnp3UTRUMkl3U0xhUDJnZlZmS1pLX2RpS2ZDVWpxSXdIUGJSQVQzY21kcU1SSUFfV3VJT1Q1YXc1RlZQMkZSTUY4c2tzVlBoNnpiM2hKU1dlVFlNc1ZDbGJJdUhoeTQtM1BPVktud20tSFk2STE0aXBuQzBrdlVVdU9aU19VN1o5VE03TFRSc3ZaNXlseVB3aG9FdkZRR1J4ejk0dG9xVHNKUkVpT3haU0tNUHc?oc=5) · Sports Illustrated
- 2026-04-23 [First Citizens BancShares (NASDAQ:FCNCA) Misses Q1 CY2026 Sales Expectations - StockStory](https://news.google.com/rss/articles/CBMizgFBVV95cUxNVEpwS3ZtZXFnaWd3OVpWUHlqSzhZNEE3TDl0cEx2bmVUOFoxQXQ2Ml9IeC0tWmZQRnVKS2lTOVJPekNDN0VTTXlpVmkwQWd3Um0zcVdBNUdoblVHWlBPcjdzcDVSOGo5VHlSaW5zVUpCYVZVN3BCUXBfejEza1g1cEFxQTBUenNhOXJkYkFRbWN2ZnVKbm93SWZDeXhxaUIxQm5vU24zcDFRazR5VW5yUEVpWndQbFFsd05jWnRrNlptUkNOMWkyellsN1JRUQ?oc=5) · StockStory
- 2026-03-25 [Phillies owner John Middleton defends scrapping Harry Kalas on outfield bar at Citizens Bank Park - CBS News](https://news.google.com/rss/articles/CBMinwFBVV95cUxPbEZ0STlrXzlHeW11ZlRkOU9Qd245N3RGUWZTQ2NNd2ZLWFhQcjF2U2syZ0JyYUNCVE13Q3QwLUZVOTNLRmdKOUJPMjRDTkw5RjNXNUpWWjVoUUtmNWhkdzBYUERqLXJQX19UZDBjOG9uM2tUNmxxU0JZbFRoY0JiZU1iZkU5RkllRTV3QjhnTVRDYVI5S254VmhmQTVRZlHSAaQBQVVfeXFMTWtFcnhRQVpoc29ENjRrT0s0SmlJRmRkSmdjUG9McjFJeTdMaUsyYjNhd25ndGl1XzBLTExGLTFNQXZhbnNXaDRWWndRU3RqMU00MTVQNXhkbGZwU1hRRGs5R2UxOWtEdlc0WXp2QllCcENaNXFIZ2RkM3Q5Z3ZMbHJzMHRuVjVFWWdQYTFYMGFaZmk5NVpfRGJhU2VkczJjOWxmQmw?oc=5) · CBS News
- 2026-05-01 [Where to Eat at Citizens Bank Park - Philadelphia Magazine](https://news.google.com/rss/articles/CBMie0FVX3lxTE1jWGY3OXY3U1FwRHhiZnE1Q3JFSVJoQ2hlSGZjNHJWZEFDNk5keUlZdVRDWVBFcmFiR19fLWp5N25MTlVPRlRFT19GbGpIRTIyQWhNbTFDLVp1NnlEZWctMkVueEhQMkltdkpHYjhXNnlsVklaeXoxc2dBMA?oc=5) · Philadelphia Magazine
- 2025-10-18 [Commercial and Industrial Services Insights - Citizens Bank](https://news.google.com/rss/articles/CBMihwFBVV95cUxNQ1hLc1plc1YxZjVnMGdqQlVOTmF5eXBEblUwNGhIUEFQVTdrdmJaUTI1amNZSVFRVWJ3QXVBRktqVFN4cDUtT0g4QmNKN3NHWG1pT2xPLXR3WXB5MVFaUktLOFB5d2lrMXA1cFdlYUx4WmVuNGRwMFNmaEdBLXp6TmN0Q19PRjA?oc=5) · Citizens Bank

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11432 (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/40.json (key "11432", 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.

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