# CITIZENS BANK
ENTERPRISE, AL · FDIC certificate 16369 · asset band <$300M · latest filing 2026-06 · live

**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 | $233.3M | |
| Deposits | $209.8M | |
| Loans and leases | $164.2M | |
| Total equity | $22.9M | |
| Loans / deposits | 77.43% (p58 of band) | 73.59% |
| Liquid assets / assets | 26.54% (p35 of band) | |
| Uninsured deposits / deposits | 31.54% (p84 of band) | 19.81% |
| Brokered deposits | 3.45% | |
| Wholesale funding | 3.45% (p66 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.56% (p33 of band) | 11.76% |
| Unrealized securities loss / equity | -21.52% (p21 of band) | -6.57% |
| AOCI / equity | -0.46% (p46 of band) | |
| ROA (annualized) | 1.12% (p47 of band) | 1.17% |
| Net interest margin | 3.78% (p42 of band) | 3.93% |
| Efficiency ratio | 65.43% (p49 of band) | |
| Noncurrent loans | 0.42% (p52 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 256.52% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 71.37% (p88 of band) | |
| Auto loans | $628,000 (0.38% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -7.6% | |
| Employees | 31 | |

## 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 | 2 | capital falling, losing money |  |
| 2012-03 | 0 |  | capital falling, losing money |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | deposits shrinking |  |
| 2017-12 | 1 | construction >100% equity | deposits shrinking |
| 2018-03 | 0 |  | construction >100% equity |
| 2018-06 | 1 | construction >100% equity |  |
| 2018-09 | 2 | capital falling |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | charge-offs p90 |  |
| 2019-06 | 1 |  | construction >100% equity, capital falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | charge-offs p90 |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 2 | construction >100% equity |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | construction >100% equity |
| 2021-09 | 2 | construction >100% equity |  |
| 2021-12 | 1 |  | capital falling |
| 2022-03 | 1 |  |  |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 3 | capital falling |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 4 | brokered >10% |  |
| 2024-03 | 4 | wholesale funding >15% | capital falling |
| 2024-06 | 5 | charge-offs p90 |  |
| 2024-09 | 2 |  | construction >100% equity, securities losses >30% of equity, wholesale funding >15% |
| 2024-12 | 4 | securities losses >30% of equity, deposits shrinking, assets shrinking | brokered >10% |
| 2025-03 | 2 |  | charge-offs p90, deposits shrinking |
| 2025-06 | 1 |  | assets shrinking |
| 2025-09 | 1 | capital falling | securities losses >30% of equity |
| 2025-12 | 1 | deposits shrinking | capital falling |
| 2026-03 | 0 |  | deposits shrinking |
| 2026-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |

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

- 2026-04-01 [CB&S Bank Parent Company Completes Acquisition of Citizens Bank & Trust - Discover Dade](https://news.google.com/rss/articles/CBMipwFBVV95cUxOVHhhWXFRemhZT2VTdUxmVUVvcWtWTThDYzFjYklXUVVkbFdGN2ZkRjZxc3JfU2w4WVZsRTg1VUg4N29zZnlwR2JOQXpFRU9PRWZMREdwcTBpbjNocE9ydm5rT0FTcUpoZk5kRkxiZGFoUkZuQ2h2RGxWYWRaMXEwLW5hU0lzYVRjVWZuVmhnRkI2aDkxbzl0ajNhTDJ1Y01TcEdpVk5zdw?oc=5) · Discover Dade
- 2026-04-01 [CBS Banc-Corp. acquires TAG Bancshares - Business Alabama Magazine](https://news.google.com/rss/articles/CBMidEFVX3lxTE5FMUJLMXNTZ3JKNlFDSUhZOWRUWG1wVVdrMkh2SzVDOElmYzVmRm5VUG55bG1hcVFQcng5ajQwQ2wtWlFTcE16c2oxcllIVEdlelpjei1UVnlSRFJhVk1MVnZfQlNHWnhSSzJGc21yMnhmMExU?oc=5) · Business Alabama Magazine
- 2026-02-10 [Alabama-owned credit union acquires 2 state locations - AL.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxOY1RpY0xLLU50LUE5MFllYmZybnhLcjVqZzVDWmM4bFZqcDdDeWM1NmFzOVpJRld1RWZlWFpRR20zNkNNbm5WSE5nY0Zia1FCZmxBMVBYN0JYbkUzS2Q3Wm9ER3BidXFKY2N0c2ZCdEJVQldGX3Rxd2pzY3BTWG1GLVhrY09sN18tYjNTSE5WbmRRdGdXRHpKX1Vn?oc=5) · AL.com
- 2026-07-14 [Bryce Harper on playing ASG at Citizens Bank Park - mlb.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxOZ0JHanNDLXRKQmJITnNvNzlOZW5hRXZKSXlEeGs1SmFaXzNJV3N3cldvMmp6cW1wbkFpREVDbmw1MFZLQ3psSEhvWjhFdjBmU3ZIYWdyMnVoR1pLWklTczRWWHBMQm9aUU10NmNRTmJuOVJ2ZGZfdW1WLUU5Sy1WRw?oc=5) · mlb.com
- 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
- 2026-08-21 [Chicago Cubs to face Mariners prized pitching prospect Kade Anderson in his MLB debut Saturday in Seattle - Chicago Tribune](https://news.google.com/rss/articles/CBMijwFBVV95cUxNT2hvUjRsd1ROWjBNdFd3cFRmZzZOc2NpYWpUNFpHOGY0aGR3Q2J1alZfbDlybXBEX3l0bzhxX2JKSkw1TF9mZXRYaFROQ01iVWJ0NDBLR3oxRWV2cUFENkhNM0szajRGUF91cHIwUnpTTHJ2S0VkSFY3dHJXY0U2VHZFd0p1UkRLa1RJVW5rOA?oc=5) · Chicago Tribune
- 2026-07-14 [Four Tigers take center stage at MLB All-Star Game in Philly - The Detroit News](https://news.google.com/rss/articles/CBMi2AFBVV95cUxPdlZvLXg3VUREeFAtSkJmTXdJWmdCWFFKdTdNeV9GYnl1cEx4QlJqcXBmcnVxYkktZWEwUFBZY01DS2ZGZDhMRm1OWU9lVllUY055U2hWLUF0MGZyYVlGVmNRN1dtR01MZjZYNDNaaXVzanFmTHRnLTY4UHg4S2dyRC1lS1NRb2MweE5DVDBUWjhPajY1dlhkYk1SV0hreVNDTVdsRHNINWZVTWZVMkNLaElzUFBKTVExWk1YbGZPMkdwcFQxTERCdzFXZ2Zld3ZrbVNhWGxvX3c?oc=5) · The Detroit News
- 2026-07-13 [2026 Home Run Derby highlights. See the big blasts - Delawareonline.com](https://news.google.com/rss/articles/CBMi1wFBVV95cUxPRlhTYkZyQWpld0pXU0FaN2N4cmZtbjUxbXpEVWhCWWgyWFp5Y05xYm5QcVNtNlBrSURybGxzZ3lkREtJcUFhZDFTczREeEN6RW51M1JRQjNYcGZNdW1fbUJtSDdFZEFjODVSWUotdGJUQkpIZHNfQ2dsMXNTVkQ1amp2a3VtNC1haW9mV2JINHJrLWlycTZ4cVdSRHliRGp4QnpaNkFSamlMeVhub1NPZExlenJqM1c0QVR4UFUxUGJSRk9fX0RZUEIwU0VkdzViY0NSanpTTQ?oc=5) · Delawareonline.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16369 (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/49.json (key "16369", 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