# CITIZENS BANK
CORVALLIS, OR · FDIC certificate 17809 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $823.4M | |
| Deposits | $702.5M | |
| Loans and leases | $389.6M | |
| Total equity | $87.2M | |
| Loans / deposits | 54.53% (p9 of band) | 82.04% |
| Liquid assets / assets | 46.47% (p90 of band) | |
| Uninsured deposits / deposits | 36.35% (p82 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.77% (p47 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.88% (p85 of band) | 10.81% |
| Unrealized securities loss / equity | -41.35% (p7 of band) | -8.10% |
| AOCI / equity | -1.75% (p10 of band) | |
| ROA (annualized) | 0.18% (p5 of band) | 1.28% |
| Net interest margin | 3.50% (p28 of band) | 3.91% |
| Efficiency ratio | 89.79% (p95 of band) | |
| Noncurrent loans | 0.04% (p16 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p35 of band) | |
| Reserve coverage of noncurrent | 4374.00% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 11.85% (p16 of band) | |
| Auto loans | $32,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -3.0% | |
| Employees | 177 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **expense ratio p90** (`earn_efficiency`)

## 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 | 2 | capital falling |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 1 |  | reserve under noncurrent |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2015-12 | 3 | capital falling |  |
| 2016-03 | 2 |  | capital falling |
| 2016-06 | 1 |  | charge-offs p90 |
| 2016-09 | 2 | capital falling |  |
| 2016-12 | 1 |  | reserve under noncurrent |
| 2017-03 | 1 | charge-offs p90 | capital falling |
| 2017-06 | 0 |  | charge-offs p90 |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-06 | 3 | expense ratio p90 |  |
| 2022-09 | 2 |  | expense ratio p90 |
| 2022-12 | 2 |  |  |
| 2023-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 4 | wholesale funding >15% | assets shrinking |
| 2023-09 | 6 | capital falling, assets shrinking |  |
| 2023-12 | 4 |  | capital falling, assets shrinking |
| 2024-03 | 3 |  | uninsured deposits leaving |
| 2024-06 | 3 | assets shrinking | wholesale funding >15% |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 | expense ratio p90 | deposits shrinking |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 | capital falling | assets shrinking |
| 2025-12 | 3 |  |  |
| 2026-03 | 2 |  | capital falling |
| 2026-06 | 2 |  |  |

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

- 2026-09-09 [First Citizens Bank answers concerns after transition frustrates clients - KETV](https://news.google.com/rss/articles/CBMirwFBVV95cUxQbERMaC13Sm9FV1VXQW1JWlZqeUMyT2pmelllYTFDZEk0djdvOUVkZ3FhYWhtVVduN1JvNk1PYWVaT0FYWUJUeEI1dXNIa285YWt1VWxqeWtUbWJzbnptZ3hBUEFRR3g2QkZqcDQ0QzJtYzVYbUNydjJ6cUZweU9fanRfREZLenlNQkJxc2k3M20zTHUwbnBrMHp2ckpTN0Y2QnJvcHJKcy1OX0E0OHVn?oc=5) · KETV
- 2026-09-08 [First Citizens Bank Completes Branch Acquisition, Expanding Presence Across the Midwest, Great Plains and West - PR Newswire](https://news.google.com/rss/articles/CBMi9wFBVV95cUxQNzU1c1Z1aGR2UDVvdWpEMFJ3dnNyTFJIbnE3amtsUFVGUlRNdGVtWW8zLWNOTXVlOWFSSW1BTkFEY1o4aW9HbHEzZVFyd3VnRVQ4SS1veS1sbjVFV2xSY1VHYWZ4OW4xd1N2NmJLNk5hOEdKZ2dyTjl1MHplVllXdXo2WW1XU1Nod0RObWlFM3BwN0JPdHQ1bzEtRXlWMWs5c295d1Z5ZkFGUWlkeFRsNVBXM2FzNk02anNvaUo0LWV0WUw5b2JySVZEOEtkX0ZialBTUmdKbU00WTEzYWJSazVsUXYycTcwSUtGeHRTTmQ4U3Vid2tB?oc=5) · PR Newswire
- 2026-09-09 [BMO Finalizes Sale of 138 U.S. Branches to First Citizens Bank - FF News](https://news.google.com/rss/articles/CBMimgFBVV95cUxObU1JdkJUSHNQTVMzWmFyOG1HODBWZlpxV1J4OUxRREZISVpKUWt2SXlaQW5oeHRUczNZY2xIQ3pHVHhLaEdZZFREN1M4YktPLVZONk41Q2FQY0pRcThaVk9JSEtNcElPWi1JeV85SUxHaGgydjc0NS1IUnRfSnVlZVBmVUthTEZMcm1uZ0R2VFlLWjE1SWxqaER3?oc=5) · FF News
- 2026-09-07 [BMO finalises divestment of 138 branches to First-Citizens Bank - Yahoo Finance](https://news.google.com/rss/articles/CBMipAFBVV95cUxOdjBsRi1ocVlJRF9BTWc3OVd2QmZEcEhzYnZPQnBlU3ZvU3V5d3hXOFk3d1lTX0FqcDNoQmtYWDZ0dXpmMDQ1NThZUVhTQnZ3d0VOTW1jandEOUFZQkVtd09PWnpQRndhdWJmSUV1anNQTjdRcDZhd1R3emtiTWFtUnhHQk9zNlgwSENZRHdCWHJEQks2STkwSVJudjVmMzktYmlDdw?oc=5) · Yahoo Finance
- 2026-09-08 [First Citizens says Omaha BMO account access issue is fixed - WOWT](https://news.google.com/rss/articles/CBMilwFBVV95cUxQOTNMX2VFTEZ0WF9qM2t2dExhX0RfdTAwcklyX2RSdHNrdGIzTUhHbVNMRDNRMUxGVlg2Z05CNlNyT3dKSWNfZEVIRHdJQ3VZZGlmQ2tfNTlhUlZialhrNjFNR2VGYUpHRk13dC1Ga0EwUDVfQy0zdjV0YmhYblNTUU1wR1RmVXJPV1lVUThuWl85SVJmdWo40gGrAUFVX3lxTE1EWDN1U0ZzLTNnbHcxTmdNT25FbVB0aGZsOG5lTmFXUldRMXRWMzZCMjItWDB2Tk1vQ1ZLVXR3UzR6aFA0dFBhVmgyNFZ6RTZRWnRWdzY5R3gtRGFEZWZOOEkzeDhFelpuQ1RuQ1JxMVNtN3F0dW5CVU1SU1VvVmpVbWh3UFNkOW1NVzBWQzgxUU5qTkdnUml4QWVjQXFmTG5vRHcwa0hVNzB1RQ?oc=5) · WOWT
- 2026-09-08 [First Citizens completes $5B acquisition, enters St. Louis area with 13 branches - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNamROT19WQVB1TXh6Q2dkY1hUSFpYRTZjZURVdjRqZDN0RkRwUVpxb2dfcGctd0JJNTllZHgzM1p6ZnV5dS1IdV8yeUhmMlp4SEdwb1JzZXFwQ0NYVHpIMExObG1aTDBkTnU0ckt5a3FKQlRkM0NyZlFRaHI2NDZkSVY5eHFyX0FwR1dqWWNlV0ROOXhDdmExSXhOQTNHQVc4Wm9TMFYzcFhUcUE?oc=5) · The Business Journals
- 2026-09-08 [Cy Young may elude Sánchez, but this impressive feat is still possible - mlb.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxPQmxTNmlKcFp1U2lLZ2o1TXZGVGZaV3VEVFkzeVUtWUktUzFTZEVZUlRnZFRjdWNVbHRRakJwX0N4N2FBUGh2UDBNT0dFZWI1VUZfWU9keFNOX09oWERqTHFETnFtaHZfWnYtOGJHUjNYZVhIV1F1YjRZNHlQWWtJaVFYcGc?oc=5) · mlb.com
- 2026-06-25 [2026 Payment Trends Report - Citizens Bank](https://news.google.com/rss/articles/CBMihwFBVV95cUxPNUhiSW1kbFJsQmtKWUh4SlFPNE5IOXpJZl9PdUlMMjNkekE3cmZDeGJZN2wwbGJ3am4zY2xJSmJLZUtNSTlkaFlTQ0JJeUZFUU9QczI0dE1mVUtlTDdOS25OaEJvSVNqS2NmbkFOVkEwTFllVUF1UGs3bGw0cktPOFdUUXhtTms?oc=5) · Citizens Bank

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17809 (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/17.json (key "17809", 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