# CITIZENS BANK
MUKWONAGO, WI · FDIC certificate 13055 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $1.17B | |
| Deposits | $996.0M | |
| Loans and leases | $758.7M | |
| Total equity | $152.5M | |
| Loans / deposits | 75.26% (p25 of band) | 87.10% |
| Liquid assets / assets | 31.93% (p79 of band) | |
| Uninsured deposits / deposits | 34.22% (p60 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.31% (p24 of band) | |
| FHLB advances / assets | 1.31% | |
| Tier 1 leverage | 13.64% (p88 of band) | 10.50% |
| Unrealized securities loss / equity | -7.41% (p51 of band) | -7.75% |
| AOCI / equity | -0.98% (p19 of band) | |
| ROA (annualized) | 1.39% (p62 of band) | 1.26% |
| Net interest margin | 3.84% (p58 of band) | 3.70% |
| Efficiency ratio | 54.85% (p38 of band) | |
| Noncurrent loans | 0.30% (p33 of band) | 0.51% |
| Net charge-offs (annualized) | 0.08% (p73 of band) | |
| Reserve coverage of noncurrent | 394.07% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 45.28% (p48 of band) | |
| Auto loans | $249,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $1.1M (1% of equity) (p75 of band) | |
| Deposits YoY | 5.8% | |
| Employees | 161 | |

## 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 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 1 |  | capital falling |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | charge-offs p90 |  |
| 2013-12 | 1 |  | charge-offs p90 |
| 2014-03 | 0 |  | reserve under noncurrent |
| 2014-06 | 0 |  |  |
| 2014-09 | 3 | losing money, noncurrent p90, reserve under noncurrent |  |
| 2014-12 | 2 |  | losing money |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 | charge-offs p90 | noncurrent p90 |
| 2017-03 | 1 |  | charge-offs p90 |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | charge-offs p90 |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | charge-offs p90 |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | reserve under noncurrent |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | AOCI drag >20% of equity |  |
| 2022-12 | 0 |  | AOCI drag >20% of equity |
| 2023-03 | 1 | uninsured deposits leaving |  |
| 2023-06 | 0 |  | uninsured deposits leaving |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 | charge-offs p90 | noncurrent p90, reserve under noncurrent |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | charge-offs p90 |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-09-09 [Citizens Bank Bonuses And Promotions: Earn Up To $400 - Forbes](https://news.google.com/rss/articles/CBMiekFVX3lxTE5RbE5IbnVlWEl1eVl6WWx2Y3lIalhvazZvMzNMcUF2V2ZlNTJrbG14Q0djUGxFWEFJWGZMTEJockNlMHJqMWF3TzFVemtxeVdrZW9qdkZ1bVZud0tOZXJlRlQyREZUc2o4UnVIVDBISnhBNVQ2NWJycVpn?oc=5) · Forbes
- 2026-08-05 [First Citizens Bank Appoints Barton and Thompson to Lead Growth Across Central U.S. - ABF Journal](https://news.google.com/rss/articles/CBMirwFBVV95cUxQRGZhbWVwTVNzVTROVUZCWGtuSG9DU2Rfbjl1d05zNHc3YnRYUkNFanFweXBxOThLbk5MdnVTSXdybmFTNVdkaUlWR3hzUWV1eFFhMkhVMktTNmZ3SnV4blJ4am1abFJMaS1oQlVybzk4dGJqNkNlRWFQTWNka01yTl96M0E0UnkzaE1qN2twWnZQNlJzQjJPTVVJdTBrTTVMcVN1ZHlVRUc2bTIzR3hF?oc=5) · ABF Journal
- 2026-06-15 [Brown Deer weighs discounted sale for mixed-use redevelopment site - The Business Journals](https://news.google.com/rss/articles/CBMijAFBVV95cUxORmtHb3VRTk43OVhZbk1yWXBIbmpTbTNyS3NMQ19vRmxkS1lYcGVLcW1CWXZHSktVNnJ3eWdpVU5tM0hkNEJwb09RX3B0MVdpak4tbUJfRlNpMzlPZmVKYXhTZWVMUTJtMTRMYTB2ZDFDd1pqUkJHME5nRWhMZXU1NHpKcW1GQm9sa2dBOA?oc=5) · The Business Journals
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-05-18 [Citizens Bank class action alleges bank failed to protect sensitive information in data breach - Top Class Actions](https://news.google.com/rss/articles/CBMi7AFBVV95cUxQWVcxTDVMWlZRSktDcFppRlB0SnB6YUZ0dG1KTExsOWtSaTNYVGJYbmR3Q2RWczJNcG42Um00aE56dm0xWmM5dE8wMXM3S0c0MTM5dDA2WFlzU2VudTJFdmtCRm41Y0kxdVBqTjRvVkp3aFJhc2VnQUlvc0VQNmNMaG1Zd2R6a3dHcEc5Zk1PcUR1TzFERHd5UG1KdkdQSVdULTk5YVVzUC1HN2hza1l2MzdLNEdhNk1ld2wxblRDZm9pSlFzQmdDakFEbWc5b3lXd2tJTlQwTm5RbGVxZjZNVHVKX2lkY1N0aHhTRQ?oc=5) · Top Class Actions
- 2025-10-28 [First Citizens Bank Provides $338 Million to Autumn Lake Healthcare - PR Newswire](https://news.google.com/rss/articles/CBMivwFBVV95cUxNX0dTTkJ6b0VNbGRrY0Q4OGJYR1RwZVJDZ2J0a0otbDBwRUNnSGRyVktzRFZMVHBnaW1ld1M5eU1WNnowT1RIU2VsU0VJZ05WTVEtLXhVNnd1RW1xYTZHdFcyUWZfUTNEYmFfMkQybDctWkN2dExXNThWUDdTdlVNVUp6TFlpenM5Q2ZQN0ZSQmNmNE4tWkx0dF96eDctMGtuQVVtQTNzRjVFOTE4OXF4TllFeWVtTnNEYTJxLUlnQQ?oc=5) · PR Newswire
- 2026-06-25 [2026 Payment Trends Report - Citizens Bank](https://news.google.com/rss/articles/CBMihwFBVV95cUxPNUhiSW1kbFJsQmtKWUh4SlFPNE5IOXpJZl9PdUlMMjNkekE3cmZDeGJZN2wwbGJ3am4zY2xJSmJLZUtNSTlkaFlTQ0JJeUZFUU9QczI0dE1mVUtlTDdOS25OaEJvSVNqS2NmbkFOVkEwTFllVUF1UGs3bGw0cktPOFdUUXhtTms?oc=5) · Citizens Bank
- 2025-10-16 [BMO offloads 138 branches in the US - mpamag.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxPZWZTOUJBTXMyd1ZobmZkQTB1N3ZhRW1pdGF1M2wwX0F5LW1sVl9ER2pxSk02TjN6WGRLcm9sNmdOZXo3UTlYRTN4cnNDcjdrbFdPTWduT2pRc2hIQnQtbktNTnpDeGtCd1FYWWlZZWozaXpUVDRzZW56dkh6M3VlN2tZNHV6dHNOVXBKZ21IYTV3c1hLdVBvTkpsZm9yWU5oRFNuUA?oc=5) · mpamag.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13055 (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/63.json (key "13055", 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