# CITIZENS COMMUNITY BANK
PILOT GROVE, MO · FDIC certificate 12694 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 2 (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 | $142.6M | |
| Deposits | $125.9M | |
| Loans and leases | $96.4M | |
| Total equity | $16.4M | |
| Loans / deposits | 75.66% (p54 of band) | 73.59% |
| Liquid assets / assets | 28.37% (p40 of band) | |
| Uninsured deposits / deposits | 9.78% (p13 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.56% (p47 of band) | 11.76% |
| Unrealized securities loss / equity | -1.38% (p74 of band) | -6.57% |
| AOCI / equity | -0.88% (p30 of band) | |
| ROA (annualized) | 1.19% (p51 of band) | 1.17% |
| Net interest margin | 3.89% (p48 of band) | 3.93% |
| Efficiency ratio | 61.35% (p38 of band) | |
| Noncurrent loans | 0.27% (p45 of band) | 0.36% |
| Net charge-offs (annualized) | 0.17% (p91 of band) | |
| Reserve coverage of noncurrent | 421.76% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 13.48% (p44 of band) | |
| Auto loans | $1.9M (1.99% of loans; DQ 0.88%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.5% | |
| Employees | 21 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

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

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2025-10-07 [Regional Banks, CUs: 3 Proven Strategies to Drive Growth - Resourceful Finance Pro](https://news.google.com/rss/articles/CBMifEFVX3lxTFAxR0V1c1lIRy1GXzQtSGNTNk9EM3N6NjM2M3FzT0p2b2hTUDc2aEw2NVR2Z0lUaDBUYXRTckJsanRGWXdsenQ1SnU3SEw3bldSSWhEcmNqLWdMMVNIM3R1Sks5a2FoZy0xTkpoUkVOaVJISDFDd01PR3IzM3I?oc=5) · Resourceful Finance Pro
- 2022-08-18 [Bailout List: Banks, Auto Companies, and More | Eye on the Bailout - ProPublica](https://news.google.com/rss/articles/CBMiV0FVX3lxTE9yUjlLUHlRTkFPekMwR3J1MXFxS2o0OWc3cTFybnY2U1ZhZ1BkTVRweEE5bXJuWnVSTTRxWk1malZlQ2dPUVpHSTk0OTZfNUg3aGpUVVJrbw?oc=5) · ProPublica
- 2026-08-24 [Failed Banks In The US: An Analysis By Year, Size And More - Forbes](https://news.google.com/rss/articles/CBMibEFVX3lxTE9SRkVrQmdfS2FWVWlBdzNCcy1OTlAyNlVSUEpoMG5WVllXR0V1dW5NSFBRSW91OUFjZ055S3dyS3RaaVg3dVc3UU12XzhENE5nanJFeEExR016RTR4Y1BERHVJSHlzSDNqS3pUWQ?oc=5) · Forbes
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2023-01-18 [Earl Twenter Obituary (2023) - Pilot Grove, MO - Boonville Daily News - Legacy obituary](https://news.google.com/rss/articles/CBMimgFBVV95cUxNMEd2cXVXejlvVVZXenhPMkx1V3VpcHVJVG9wVDJJY0hLeFlwbHBpNnhoLXA4TmltcTBnWjBWaFpuMmx5SEVxbWZRRjJsN2VSMlJHOFJsZFlNZnVRZmFCNDI0TUZrbGdjVFpaMVJEdkpUWlhGZTJHaWdHMldpby05WEhJMXJVREtfQ3dzXy1EbjFiWTVEU0gwTDdB?oc=5) · Legacy obituary
- 2011-11-04 [Bailout Tracker - ProPublica](https://news.google.com/rss/articles/CBMiYEFVX3lxTE9WRVU5S0txR3VSdlY5QlVQdmdtVTNNdXE0bWZXZnBWT0tuaUx2VFg3Y0FReEZEZnRVV0hDNldzN0puTUpWd3pVcU83V2JYMkdodHRoNTluX2VpMk1ucUtTbQ?oc=5) · ProPublica
- 2009-02-16 [Nancy Turner Obituary (2009) - Centertown, MO - Legacy obituary](https://news.google.com/rss/articles/CBMigwFBVV95cUxQTkpDVWstaHJrcFV3UHRHUlJUUGNOTml6aktCRktuV1ljN0pXWk9Bakk3MGFEM2NYbmJUemYzZ0NBeHdKcWFMVFI0OXBJZkNDOXo4NXd4X3N4eW5haW9IREJ5WVpKV1ZUa2s0NEl5dmcycVBMa2p6UExpUm5JLUFIeWJzQQ?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12694 (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/22.json (key "12694", 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