# CITIZENS BANK OF WINFIELD
WINFIELD, AL · FDIC certificate 52 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $301.3M | |
| Deposits | $215.2M | |
| Loans and leases | $113.4M | |
| Total equity | $29.4M | |
| Loans / deposits | 52.17% (p7 of band) | 82.04% |
| Liquid assets / assets | 52.41% (p94 of band) | |
| Uninsured deposits / deposits | 27.87% (p58 of band) | 25.97% |
| Brokered deposits | 1.30% | |
| Wholesale funding | 19.23% (p93 of band) | |
| FHLB advances / assets | 17.92% | |
| Tier 1 leverage | 17.51% (p95 of band) | 10.81% |
| Unrealized securities loss / equity | -138.86% (p0 of band) | -8.10% |
| AOCI / equity | 4.24% (p99 of band) | |
| ROA (annualized) | 0.43% (p10 of band) | 1.28% |
| Net interest margin | 2.78% (p6 of band) | 3.91% |
| Efficiency ratio | 66.84% (p66 of band) | |
| Noncurrent loans | 0.26% (p38 of band) | 0.43% |
| Net charge-offs (annualized) | 0.18% (p90 of band) | |
| Reserve coverage of noncurrent | 408.97% | |
| Real estate % of loans | 57% | |
| Construction % of loans | 33.17% (p40 of band) | |
| Auto loans | $8.5M (7.49% of loans; DQ 3.18%, NCO 0.05%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 7.3% | |
| Employees | 35 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **securities losses >30% of equity** (`cap_secloss`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | reserve under noncurrent |
| 2012-06 | 2 | expense ratio p90, assets shrinking | wholesale funding >15% |
| 2012-09 | 2 |  |  |
| 2012-12 | 1 |  | expense ratio p90 |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | assets shrinking |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | charge-offs p90 |  |
| 2016-03 | 0 |  | charge-offs p90 |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 | charge-offs p90 | capital falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | capital falling |  |
| 2018-06 | 3 | wholesale funding >15% |  |
| 2018-09 | 2 |  | capital falling |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 1 |  | charge-offs p90 |
| 2019-09 | 2 | charge-offs p90 |  |
| 2019-12 | 1 |  | charge-offs p90 |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | charge-offs p90 |  |
| 2020-09 | 1 |  | charge-offs p90 |
| 2020-12 | 2 | capital falling |  |
| 2021-03 | 1 |  | capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | wholesale funding >15% |
| 2021-12 | 1 | wholesale funding >15% |  |
| 2022-03 | 4 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 6 | brokered >10%, charge-offs p90 |  |
| 2022-09 | 6 |  |  |
| 2022-12 | 5 |  | charge-offs p90 |
| 2023-03 | 5 | NIM <2.5%, charge-offs p90 | capital falling, AOCI drag >20% of equity |
| 2023-06 | 4 |  | charge-offs p90 |
| 2023-09 | 6 | capital falling, AOCI drag >20% of equity |  |
| 2023-12 | 6 | expense ratio p90 | AOCI drag >20% of equity |
| 2024-03 | 6 | losing money | capital falling |
| 2024-06 | 6 |  |  |
| 2024-09 | 6 |  |  |
| 2024-12 | 8 | deposits shrinking, assets shrinking |  |
| 2025-03 | 6 | charge-offs p90 | brokered >10%, expense ratio p90, losing money |
| 2025-06 | 5 |  | charge-offs p90 |
| 2025-09 | 5 |  |  |
| 2025-12 | 4 | capital falling | deposits shrinking, assets shrinking |
| 2026-03 | 4 | charge-offs p90 | NIM <2.5% |
| 2026-06 | 3 |  | capital falling |

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

- 2018-09-01 [Community Banks – Alabama’s Top Performing Community Banks - Business Alabama Magazine](https://news.google.com/rss/articles/CBMid0FVX3lxTE5oeGFjWFFaNldzejJERVlMNzk4dFE4LUc0YVJqVmc5YW1jVnJKZldETFlLUktNcGZybkFUOUlXV3F4dUlCT2FkZldHa1dQaUZ5UXFPeXZ3aGQ0Z2swbFp2QlJyMFJkMEJBUndOLTdJaXQwRXA2bXBz?oc=5) · Business Alabama Magazine
- 2025-02-25 [Linda Martin Sewell - Bowen Funeral Home](https://news.google.com/rss/articles/CBMie0FVX3lxTE9NNHpMWGpDazhyNnpic2dURlFqZHFDcWtJYkNwQTNHWmZwengxNS05QUhzcjJxWkFOODNheVhBVFR6S1o2a1h2MnIyU2JGbHJOLUJOYlVDVGJfeXlmWUdWOG5NcHY1Qmc3ZXBkX3pGOEFCcF95N3hJcnoyQQ?oc=5) · Bowen Funeral Home
- 2025-08-23 [Mule Day returns to downtown Winfield, celebrating legacy of mules in rural farming - 256today.com](https://news.google.com/rss/articles/CBMipwFBVV95cUxNNXlIVVVLcWNxcFotbDlNTDVSSVdORmctYzRZQ2d2RUVkQzJSQzBVWTVBVXU4c0FGVHI3VjBsbTY4cVd0UEg1bmlPMVgwOU0wd0x6bVNjWDRSMkpoRFE3VGJDWnNCYm9HNTJ2WFlrbndlUFRLMklYSzBwcjdkRWVWTFl2UkFtNmdoZmdMRk1TWlRhT0JNZUkxWDRBcU9XaDFRNS1nUVJKOA?oc=5) · 256today.com
- 2021-10-08 [LLOYD JOE HUBBERT - AL.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxNTnVTTjhfRnZLR0lSSF92eXRwVGpweDVIWHFLZ19RV1NadDIwcFNGc2VIWVB2NGNkWGNBZ1NFd2FYaXFPcS1QQm1iVWNVRm5VUktBdVU5Q3lxSVluX0ExUGRlMVpMcUdkaGx6dUdJTzkwZFVfOUZBRVF2MEdxWXFZTjZuOVZVZWZIb2VkUlFn?oc=5) · AL.com
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2026-08-26 [Winfield gears up for 52nd annual Mule Day festival - The Alabama News Wire](https://news.google.com/rss/articles/CBMi4AFBVV95cUxOaS1NbHRwYWNDYUo4c3lHZ1JaS0YzazJBY0cySEhraDdGenpNQTI5U05YN0RxbVh0UWVsMndJY0RzdHdiREVzbjNJUDkyVEJ1WnNIdWc0X1VHeUR3eDNlOV80cEZIZWhudklKU3BqNkJ0UnBXZ29uXzU0bVREVTdmVDZEZzBnLWRNOHlFdGRjRzFwX3h5Z19FVkFKSVNZQzUzenZXS1YzQnRlb3liSFlFLVEtMGtXRlJXX2lSZTNydnNGT2RTRXljZmw5ZEd3TW1USXZNZmw0S2pncFBJd2o0Ng?oc=5) · The Alabama News Wire
- 2025-06-04 [Adam Joseph Silva - Bowen Funeral Home](https://news.google.com/rss/articles/CBMieEFVX3lxTE9VSDNlVzlGVktrZlFhRkV1bFNTNXdXdzJ3dDB0N2xpa2hFMWlka2MyRHMzb2NSRk9STjNyWkpiaFd4SWRVR3lOMHVhLXhNX2xZSHhYVWxRZHgya2p6TGd0eTBHZi12SVRoS2dkUG5hVml2TWkxQm9DYQ?oc=5) · Bowen Funeral Home
- 2025-01-04 [Debbie Couch - Bowen Funeral Home](https://news.google.com/rss/articles/CBMickFVX3lxTE1JaVZkeDl2Mi01M3BDOEt5SHVTNE9zZXJPbU5TVTJuWGxfZTR4Um1ncFp2V1pVTU5rR2pLeW5nUDNtNW1ZVjVIY1A4bkJ0MjNlZUx1dUt3ZFZFSWdiZ2QyOW14WG80aXdod2F4N1VlNnZzdw?oc=5) · Bowen Funeral Home

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=52 (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/52.json (key "52", 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