# CITIZENS BANK
BUTLER, MO · FDIC certificate 22601 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $188.1M | |
| Deposits | $171.1M | |
| Loans and leases | $170.4M | |
| Total equity | $14.8M | |
| Loans / deposits | 98.51% (p90 of band) | 73.59% |
| Liquid assets / assets | 4.45% (p0 of band) | |
| Uninsured deposits / deposits | 17.37% (p41 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.85% (p52 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.73% (p2 of band) | 11.76% |
| Unrealized securities loss / equity | -0.05% (p91 of band) | -6.57% |
| AOCI / equity | -0.03% (p69 of band) | |
| ROA (annualized) | 2.43% (p93 of band) | 1.17% |
| Net interest margin | 6.53% (p99 of band) | 3.93% |
| Efficiency ratio | 59.85% (p35 of band) | |
| Noncurrent loans | 0.20% (p41 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p63 of band) | |
| Reserve coverage of noncurrent | 552.10% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 50.81% (p80 of band) | |
| Auto loans | $2.6M (1.55% of loans; DQ 1.48%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.9% | |
| Employees | 46 | |

## Flags firing in the latest filing

- **liquid assets <10%** (`liq_thin`)
- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | liquid assets <10% |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 3 | assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 2 | capital falling, reserve under noncurrent | liquid assets <10%, assets shrinking, uninsured deposits leaving |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 3 | loans exceed deposits, liquid assets <10%, reserve under noncurrent |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 0 |  | loans exceed deposits, liquid assets <10%, reserve under noncurrent |
| 2014-06 | 3 | liquid assets <10%, capital falling, uninsured deposits leaving |  |
| 2014-09 | 2 | loans exceed deposits | capital falling, uninsured deposits leaving |
| 2014-12 | 3 | leverage <7% |  |
| 2015-03 | 1 |  | loans exceed deposits, leverage <7% |
| 2015-06 | 2 | loans exceed deposits |  |
| 2015-09 | 4 | leverage <7%, capital falling, reserve under noncurrent | loans exceed deposits |
| 2015-12 | 1 |  | leverage <7%, capital falling, reserve under noncurrent |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | uninsured deposits leaving |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 | loans exceed deposits | uninsured deposits leaving |
| 2017-12 | 1 |  | loans exceed deposits |
| 2018-03 | 2 | loans exceed deposits |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | reserve under noncurrent |  |
| 2018-12 | 2 |  | reserve under noncurrent |
| 2019-03 | 1 |  | loans exceed deposits |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 | reserve under noncurrent | liquid assets <10% |
| 2019-12 | 0 |  | reserve under noncurrent |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 1 | leverage <7% |  |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 0 |  | leverage <7%, capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | leverage <7% |  |
| 2022-06 | 2 | capital falling |  |
| 2022-09 | 1 |  | capital falling |
| 2022-12 | 0 |  | leverage <7% |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | deposits shrinking |  |
| 2023-09 | 2 | assets shrinking |  |
| 2023-12 | 1 |  | assets shrinking |
| 2024-03 | 0 |  | deposits shrinking |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | capital falling |  |
| 2025-06 | 1 | liquid assets <10% | capital falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | capital falling |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

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

- 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
- 2026-09-04 [BMO completes sale of 138 U.S. branches to First Citizens Bank - Yahoo! Finance Canada](https://news.google.com/rss/articles/CBMifkFVX3lxTE5tc21vcWx5VEtKV09obHFEbFU2YW1yLTQ5Nmg0QnFBTThtZXR0aXEwV2h3ZWlQVnNSTVdzWWdZdlU4WkQ2UlN3b0tONmZ3dmtDX3ZQLWNIVG1USmVfNmRKemZ1U1BEMmtXNmo3SWMzcFZYTDR0aGJRd1F4VFV1Zw?oc=5) · Yahoo! Finance Canada
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-01-30 [Citizens Bank plans new Rogers branch - Northwest Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOT2wtZGZRTWxYdXJiRXBfZGNyOURuUkdkQU5HTDhMMFdCdUQya05faWwzSGI3YnZyelZFSG1LSkh0akNEZzhXcTlDMjYta2tXbDltY3BQZXBLQWpRRXk3M1ZMTHdJaTFZRWFSUGxOSjVZS2QyQzZkSWVZRlNwaFpGbmNMbmdOOXBs?oc=5) · Northwest Arkansas Democrat-Gazette
- 2025-10-16 [First Citizens Bank Agrees to Acquire Select Branches from BMO Bank - ABF Journal](https://news.google.com/rss/articles/CBMimwFBVV95cUxONUdlc1JybTRvRVgzcHY5MkRGUWtEcno2UVcxb2lqYzl4MW9sNUtJRXp6OGtKa2N4VElfQmQzV2JldllMR1ZTUXFrZ1BUVFF3dFBKejJCOGZUMmFCZjBHLXcwcThDMWpVWnRHX0hDZlRXcHliVTEyMUlMeFhzaDdNTzc1N1NVOEYxeDQyY002UlF5Y1hMOUdFWWFrWQ?oc=5) · ABF Journal
- 2026-08-28 [The Pigskin Preview is HERE, and here’s where you can get yours! - 580wibw.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQYU96UEtxempwVHlZaFo5R0dwdjRXeVhZdThORVVWcDc1bU5wMjJlQ3o0X3FJM29hdUh3cXpPSXh4TzBOcmdDVlpscHVlaC0xdDhXQ1Q5eGhyUmpBTEFYODVGakVManNKdi1idXhwOHNYN25yTTd2djNGNUZLUGJvNXRsV2cwU0UxTUU1eDQ4RQ?oc=5) · 580wibw.com
- 2025-10-16 [First Citizens to acquire 138 BMO branches - Banking Dive](https://news.google.com/rss/articles/CBMijgFBVV95cUxObHlTX1U4UFNxYVNpWEFzbXVoRXVHX1lFcTkxV05lU1lHVFQ3SVZ2RmpKVkpBaHpNUmJROWQzYzZDNkhtTlo5cE5iYXQ2Z05RMGlxUmRHR1R2ZXpVWmJjVm42N3RQQ3hnTHBuNG9keTk3ZlI1c1A0VF9wa2FndW9OeW84a05HTTVtQXBoUW5R?oc=5) · Banking Dive
- 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=22601 (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/9.json (key "22601", 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