# CITIZENS BANK
BATESVILLE, AR · FDIC certificate 17211 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $1.62B | |
| Deposits | $1.47B | |
| Loans and leases | $1.27B | |
| Total equity | $145.4M | |
| Loans / deposits | 85.22% (p46 of band) | 87.10% |
| Liquid assets / assets | 15.93% (p27 of band) | |
| Uninsured deposits / deposits | 22.79% (p24 of band) | 30.76% |
| Brokered deposits | 8.85% | |
| Wholesale funding | 8.86% (p60 of band) | |
| FHLB advances / assets | 0.02% | |
| Tier 1 leverage | 8.87% (p10 of band) | 10.50% |
| Unrealized securities loss / equity | -12.62% (p33 of band) | -7.75% |
| AOCI / equity | -0.26% (p53 of band) | |
| ROA (annualized) | 1.55% (p72 of band) | 1.26% |
| Net interest margin | 3.74% (p52 of band) | 3.70% |
| Efficiency ratio | 48.19% (p19 of band) | |
| Noncurrent loans | 0.37% (p38 of band) | 0.51% |
| Net charge-offs (annualized) | 0.07% (p68 of band) | |
| Reserve coverage of noncurrent | 394.79% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 75.05% (p75 of band) | |
| Auto loans | $2.0M (0.16% of loans; DQ 0.79%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 8.5% | |
| Employees | 199 | |

## 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 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 2 | charge-offs p90 | capital falling |
| 2013-09 | 2 |  |  |
| 2013-12 | 1 |  | charge-offs p90 |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | reserve under noncurrent |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 1 | wholesale funding >15% | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | wholesale funding >15% |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 2 | capital falling, uninsured deposits leaving |  |
| 2020-03 | 0 |  | capital falling, uninsured deposits leaving |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 | uninsured deposits leaving | capital falling |
| 2022-06 | 3 | charge-offs p90, construction >100% equity |  |
| 2022-09 | 3 | liquid assets <10% | charge-offs p90 |
| 2022-12 | 2 |  | liquid assets <10% |
| 2023-03 | 2 | capital falling | uninsured deposits leaving |
| 2023-06 | 3 | liquid assets <10% |  |
| 2023-09 | 2 |  | capital falling |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 0 |  | construction >100% equity, liquid assets <10% |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-07-18 [Citizens Bank plans Fayetteville branch - Northwest Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQRExGMGNUeDU4LVloeXBzODJyX0ZpR2tXbk14TlRPUmNsTWpYc1BDWV9vcWhOaWpRWjJYc1BhZmNLWE9fT2hBaVRXR3RFR2lWRm12VHd6VldNeS03R0xLazRtN29fVkZVVnhYNnRhQ3lNdS1uWnBDNG1wQ2c1aFJjc2ZwWWF6cjJ3VlB3?oc=5) · Northwest Arkansas Democrat-Gazette
- 2026-06-10 [Citizens Bank expands leadership team - White River Now](https://news.google.com/rss/articles/CBMihgFBVV95cUxPREV0WlRxTy12RHJTZ1N1alhnRUttejlNWlVpMkFZczRYM2xadEctU0RoUjlfbER2QWtVRG5CMGJ4blk5YmV2eHdYUUF5d1AybUN1QXVxOW55LXFYWjY5bnJmZjJNNFpFNDd4QkFhem8tNHJ6WVhVUkRPdzhHSmdMdGMwNWpLZw?oc=5) · White River Now
- 2026-07-20 [Citizens Bank to open new Fayetteville location - KNWA FOX24](https://news.google.com/rss/articles/CBMiogFBVV95cUxON29id2Q3VENLaWRFdVkwYUxYQ3NQX2RsUWZZTEc4N3BmWm0xOWJYdTR1OURQOW45MHJIWnl3QXZZUmJxZ1RodlhWcktQbDVLRTJCcGFaMjB1em1pc29vdGlKNktiU3FfOUxpX2RlWVBLYmdWSGhPRnZaQVBVdUNTWGNVZExWTVNVcVpvN2k0SU5zU2lJX2R3Uk1KUGFBWm9EVHfSAacBQVVfeXFMUFpvbEJvX1BSRTJhUl9FLTRkYWhkeHl4dFo1QXRWVWhkcGVHOTZwZ2dKODRVWnNlM3NsdTYxOEMzT3B6cFRoWTNjSkpfREY3d2w3UnhuVE83N2ttWnFtVUVXTlVvZm5jWXNHdWFueGpwY1ZNcjBVa0lCVzE5S2NTWHZ6eFlEdlJZMTVCQ0kyUUx0dEF4OU1XQWpiU3NlY2J6R2Q1aE4zWm8?oc=5) · KNWA FOX24
- 2026-06-03 [Former Congressman Mike Ross joins Citizens Bank board - Pine Bluff Commercial](https://news.google.com/rss/articles/CBMijAFBVV95cUxPU1BpZ3lUU0Iya201ZFREeElmdU9HN3l4MTd5NUp2QlpqRm1IOTRZVU5haXJsdlFhc05Wc2oyUlRwWV95TGF1Mk56YXBCc0E0X1lETXdKamg5VWpQT3F3NGZ0OWhjNDlQc2l0aFRrdGl1ZGw0ZEhITFE3dl9XSUIwbG1NOEROZ3JLYWs0Yw?oc=5) · Pine Bluff Commercial
- 2026-06-25 [Citizens Bank names Alan Jessup COO - Talk Business & Politics](https://news.google.com/rss/articles/CBMieEFVX3lxTFA4OEtYNlh4OFR0ekpoZHp5VF9OTU1hX3dJV2pwUDBzS2w1RVhnQnJhUkpiUURHS1JiSnlsX2tWUGp6anA2c0xBTVJjVkcxZDlzdlFuVHhLUVNiajhaTWZjNmdNVnctSTl5R2Jpb293MTFwTzZ0U3BGOA?oc=5) · Talk Business &amp; Politics
- 2026-04-29 [Burrow estate sues Jonesboro over demolition of Citizens Bank Tower - K8 News | Jonesboro, Arkansas](https://news.google.com/rss/articles/CBMinwFBVV95cUxQbGJGeVp4b1JjZklmV2NDYTNYaU90ejc5ZnBzOEVoNC1FZVc0ZWx4WjFzOW5tSEJuWXJMTjE0OWdxZFY3N3QzTEQ5ajJEaVM3UVdpbzN0S1V4dzllNjNBRnUwR2Y1dkVWcTVwNDB5YU01WWZHUVVYMjlmVnc2QjByRnItYjlRU0EwLVJuamFMaFpORkltNDJ1emU0cWZ4YmM?oc=5) · K8 News | Jonesboro, Arkansas
- 2026-07-06 [Bank Branches Aren’t Going Away, but They’re Changing Fast - Arkansas Business](https://news.google.com/rss/articles/CBMilAFBVV95cUxNSk9aZDFoSVI3WFIycDh0Z0trdGxJTmpySnFPSGdOdk9VcGNJQnJjd0o1X09Hd3JtQ0p2WnZzT3dJemI5VWNwV1VBWG9IaEdHLTR5WjNGaEZ1QlBjV1A1QktXcTZpOWZoQkozbzBTQmFSbGxWU200N1FXRWlPWVA0Qk9SdUdUZHAtbFVNY2t4WW8ybHo5?oc=5) · Arkansas Business
- 2026-03-18 [Jonesboro city council approves resolution settling lien litigation involving former Citizens Bank property - Jonesboro Right Now](https://news.google.com/rss/articles/CBMi5AFBVV95cUxOX3dReE9DbzNJMUNNNTZ5NVFxdVo0eGtHMkFPcDRkUnQwYW8wZlNBWG9aSk5OWE5QYzk2a095R3pwa05veGlEclhJaVpteXJQbkl5ZGRtUTJYWE9tN0V3UFp0VndVdnZPVFBlU2JrTzFMdmdaVHRFOHNBSzZsTEo3UE02Y2R4eVBucjM1U0ZPbFpZSVd1RTBkbXNFd3RzWEoyUmVVbzA0UHNyajc0c1VXVXQ0c3I1MkdVeks0NFJ3SlRkdHBYbWtBVHJ6LWVtY3FodEg4VTFVUU1zM19DNk8zY2V0NVM?oc=5) · Jonesboro Right Now

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17211 (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/59.json (key "17211", 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