# CITIZENS BANK
KILGORE, TX · FDIC certificate 16817 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. 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 | $488.8M | |
| Deposits | $441.6M | |
| Loans and leases | $327.1M | |
| Total equity | $33.3M | |
| Loans / deposits | 72.24% (p29 of band) | 82.04% |
| Liquid assets / assets | 31.25% (p67 of band) | |
| Uninsured deposits / deposits | 40.10% (p88 of band) | 25.97% |
| Brokered deposits | 6.14% | |
| Wholesale funding | 8.33% (p72 of band) | |
| FHLB advances / assets | 2.19% | |
| Tier 1 leverage | 6.90% (p1 of band) | 10.81% |
| Unrealized securities loss / equity | -1.92% (p80 of band) | -8.10% |
| AOCI / equity | -1.74% (p10 of band) | |
| ROA (annualized) | 0.79% (p21 of band) | 1.28% |
| Net interest margin | 4.45% (p80 of band) | 3.91% |
| Efficiency ratio | 75.82% (p84 of band) | |
| Noncurrent loans | 0.02% (p14 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p8 of band) | |
| Reserve coverage of noncurrent | 10718.42% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 187.77% (p99 of band) | |
| Auto loans | $321,000 (0.10% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 6.5% | |
| Employees | 100 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 2 | charge-offs p90 | noncurrent p90 |
| 2011-09 | 1 |  | charge-offs p90 |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 3 | capital falling, noncurrent p90 |  |
| 2014-03 | 2 |  | noncurrent p90 |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | construction >100% equity |  |
| 2015-03 | 1 |  | reserve under noncurrent |
| 2015-06 | 0 |  | construction >100% equity |
| 2015-09 | 3 | charge-offs p90, deposits shrinking, uninsured deposits leaving |  |
| 2015-12 | 3 | construction >100% equity, assets shrinking | charge-offs p90, uninsured deposits leaving |
| 2016-03 | 3 |  |  |
| 2016-06 | 3 | uninsured deposits leaving | assets shrinking |
| 2016-09 | 2 |  | uninsured deposits leaving |
| 2016-12 | 2 |  |  |
| 2017-03 | 4 | charge-offs p90, uninsured deposits leaving |  |
| 2017-06 | 2 |  | deposits shrinking, uninsured deposits leaving |
| 2017-09 | 2 |  |  |
| 2017-12 | 4 | capital falling, deposits shrinking |  |
| 2018-03 | 1 |  | charge-offs p90, capital falling, deposits shrinking |
| 2018-06 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2018-09 | 1 |  | noncurrent p90, reserve under noncurrent |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 3 | capital falling | construction >100% equity |
| 2020-12 | 2 |  | capital falling |
| 2021-03 | 2 | charge-offs p90 | reserve under noncurrent |
| 2021-06 | 2 |  |  |
| 2021-09 | 4 | capital falling, reserve under noncurrent |  |
| 2021-12 | 3 |  | reserve under noncurrent |
| 2022-03 | 2 |  | charge-offs p90 |
| 2022-06 | 4 | expense ratio p90, reserve under noncurrent |  |
| 2022-09 | 3 |  | reserve under noncurrent |
| 2022-12 | 1 |  | capital falling, expense ratio p90 |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 | charge-offs p90 | noncurrent p90 |
| 2023-09 | 2 | deposits shrinking |  |
| 2023-12 | 4 | assets shrinking, uninsured deposits leaving |  |
| 2024-03 | 2 |  | charge-offs p90, uninsured deposits leaving |
| 2024-06 | 3 | charge-offs p90 |  |
| 2024-09 | 0 |  | deposits shrinking, assets shrinking, charge-offs p90 |
| 2024-12 | 1 | charge-offs p90 |  |
| 2025-03 | 0 |  | charge-offs p90 |
| 2025-06 | 1 | expense ratio p90 |  |
| 2025-09 | 0 |  | expense ratio p90 |
| 2025-12 | 0 |  |  |
| 2026-03 | 3 | leverage <7%, capital falling, construction >100% equity |  |
| 2026-06 | 2 |  | capital falling |

## 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=16817 (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 "16817", 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