# CITIZENS BANK
SLATON, TX · FDIC certificate 15591 · asset band <$300M · latest filing 2012-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $279.7M | |
| Deposits | $253.2M | |
| Loans and leases | $161.7M | |
| Total equity | $25.7M | |
| Loans / deposits | 63.21% (p40 of band) | 68.02% |
| Liquid assets / assets | 36.66% (p52 of band) | |
| Uninsured deposits / deposits | 23.81% (p93 of band) | 8.86% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.14% (p37 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.61% (p22 of band) | 10.05% |
| Unrealized securities loss / equity | 8.20% (p80 of band) | 3.01% |
| AOCI / equity | 3.22% (p96 of band) | |
| ROA (annualized) | 1.44% (p83 of band) | 0.76% |
| Net interest margin | 3.99% (p64 of band) | 3.75% |
| Efficiency ratio | 66.18% (p32 of band) | |
| Noncurrent loans | 1.01% (p46 of band) | 1.21% |
| Net charge-offs (annualized) | 0.06% (p42 of band) | |
| Reserve coverage of noncurrent | 102.83% | |
| Real estate % of loans | 56% | |
| Construction % of loans | 33.76% (p71 of band) | |
| Auto loans | $6.2M (3.81% of loans; DQ 3.72%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -9.3% | |
| Employees | 58 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2012-12 | 3 | assets shrinking |  |

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

- 2026-05-27 [Citizens Bank Expands Relationship with Alkami by Selecting MANTL to Enhance Account Opening Across All Banking Channels - PR Newswire](https://news.google.com/rss/articles/CBMihwJBVV95cUxQYUJMdVhaWUxnNFJmMVVhRzJJanpfTVgtcW9wSXFfLUhTaVoyYWRoZ1JkUWZPZ3VnX0VxSFQ2eU5BcmlyVnNYQUNKaUJUbXZVZ0RtWU9KU0VFVGZvYVRHM0RraXJPemhnU3VlbVB1a2Rua3hDWmVBVzZ1bEFHN3I0ektoSXhxM1Y5N1lIMEdvTjItMmJ6UGFfUFl0V19VVTQ0SDJSemdCTmR0aEhEblBTZS03SzJIQmlLS3VYUVpxQ1VZcHprVGY0ZDh3Ujh1TzZJWVF2eWlybWo0aUJ1OWVabVNwdXgwUHUtclNDdGljRnRtV2lPR3pZWEZYLXI0dnFJTjZwc0FPTQ?oc=5) · PR Newswire
- 2026-04-23 [Citizens Bank Customers Targeted in Third-Party Data Breach - PYMNTS.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxQQnhROHlFNFBuOGJvb2FvVzdSLXc2dm16YUVESnBvc1NSUTFGR0I4Y2Fjb2FfX2EzV0ZQc1VsTDFqUVpLYlgzSTVnd3RJNERnbFluVzNzbUJDczE2cTVxY1hBVEtYbUQtd0NockNaRWNOTEFSYndGYnlJVG9VRG5hdmxCc2l2RkdWOGNsbTBSMzFKOVRCM2k5WV8zNjVWY0xFcTg5dQ?oc=5) · PYMNTS.com
- 2026-03-23 [Asked to stop funding ICE atrocities, Citizens Bank calls the police - steveahlquist.substack.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE81T19tVy1IQlNkSXk2VC1jUE1salI3NFFZa3BsX1lhWFdQMFVMYktCdFlCa0NzMEVESjFBQXc5emNSUWRqaUFmMnNzcVIyQzBuR0RLbHdMZndPXzR4Y3lsZ2UwNnBTSnA2T0Y0OWgwSHlnMU9IcUlvc05RdXIydw?oc=5) · steveahlquist.substack.com
- 2026-08-20 [Citizens National Bank breaks ground on new permanent site in Brenham - The Killeen Daily Herald](https://news.google.com/rss/articles/CBMi5AFBVV95cUxQTDlkeUg5aGotdUh6eFVtdUhSZVVUTFhRa0s3bGRZaC1ONmxKcGVKU05YYW40eEFJU0lVUTEwY1RRbmhlNUlGZDBWc3FhUTVWRENkRFRjQkN4NDQxdlJ6Sk5aRnNjUzYzbm5wd0hzcWN1bm5RNGk5VUJtMUNnTDkyem0tcVZyLURKYzRmelBuNXBlY1p4NTFFcDM4dk1jM215S0lmem1oNzkwb3BZRWtKUE5mWFVIZklITGV4N3NZMFpucW9aYlJHZGt0cWllcGZJVDdqTExjcHdpZHRTbFRhRll2Nm0?oc=5) · The Killeen Daily Herald
- 2026-01-29 [Mass. activists who oppose ICE push for boycott of local bank - WGBH](https://news.google.com/rss/articles/CBMipgFBVV95cUxPdDZ2a2ZDNGhkWmM2UlNkZEV3bjBjMVY4eU5yTGN3d2pGRkRFNklMZmpwRjJMalN1bEJnbWgwWmhfUjJLSW9MYmVpOVZVRGdEZUxVbUU1WE1qVUN0bEJVS2cxSndLMmU0Y2dKVmhEeUU4SVRjMzR2RU5zU0lYd0Y0YzUtQTMwWV9rVHN6SFU1ZUh3aG93dVBKLW4wSE4xdEMwVjJ5SVdR?oc=5) · WGBH
- 2026-04-20 [Bank that bought SVB taps new top exec in Dallas, looks to grow - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxPMnd1RHNHLVh2Y05wVGJHVDRUdDQ4VVhYS2Zad1ZCX05lOGlsdEJLWFFvMEl0dzNHX0gwa0xDSFpKaG1wVWFfLU03a3lGcE5LZmtBSUVEdWF5STFhc3hMSThxekFud3JnVnBGUFMzNW1YNDd3OVZ0TU9jQWRjNm50WEVUa0hyUnlGM01hYnFPNlJrZUtqeFpxV2FJdUFvSUE4dE5NelZR?oc=5) · The Business Journals
- 2026-07-10 [Kyle Schwarber joins Bryce Harper in Home Run Derby at Citizens Bank Park - FOX 29 Philadelphia](https://news.google.com/rss/articles/CBMimgFBVV95cUxQcWd5WUgxRzI3VXI0OWVQZk5OUUFXQjZfT2U5VWlRbmZGRmxqeXNSUmV3X3ZqemZqT3lKeFVsS1hpYUdfMUFTNEVfNzdxZXBnRkIxbFdPcUdOam0yYkpWNGtwSTRLZkhudXgwMjRyM2hGRXVyQUoxNzNGT3c2U1FDTDFvWHJSUDlqd3VWSVBXYy1DNENXVHYtRUNn?oc=5) · FOX 29 Philadelphia
- 2026-03-28 [What’s Happening Opening Weekend at Citizens Bank Park: Phillies vs. Rangers, March 28-29 - mlb.com](https://news.google.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?oc=5) · mlb.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15591 (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/39.json (key "15591", 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