# CITIZENS BANK OF FAYETTE
FAYETTE, AL · FDIC certificate 5600 · asset band <$300M · latest filing 2021-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $206.8M | |
| Deposits | $187.8M | |
| Loans and leases | $28.0M | |
| Total equity | $17.3M | |
| Loans / deposits | 14.49% (p4 of band) | 61.86% |
| Liquid assets / assets | 86.08% (p98 of band) | |
| Uninsured deposits / deposits | 28.49% (p77 of band) | 19.57% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p25 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.12% (p3 of band) | 10.43% |
| Unrealized securities loss / equity | 10.87% (p99 of band) | 0.00% |
| AOCI / equity | -14.65% (p1 of band) | |
| ROA (annualized) | 1.24% (p68 of band) | 0.96% |
| Net interest margin | 2.32% (p13 of band) | 3.26% |
| Efficiency ratio | 57.41% (p19 of band) | |
| Noncurrent loans | 1.34% (p82 of band) | 0.28% |
| Net charge-offs (annualized) | -0.26% (p0 of band) | |
| Reserve coverage of noncurrent | 213.33% | |
| Real estate % of loans | 50% | |
| Construction % of loans | 19.67% (p56 of band) | |
| Auto loans | $2.1M (7.39% of loans; DQ 0.53%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 16.3% | |
| Employees | 20 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 1 |  | noncurrent p90 |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 2 | noncurrent p90 | capital falling |
| 2012-09 | 2 |  |  |
| 2012-12 | 3 | charge-offs p90 |  |
| 2013-03 | 2 |  | charge-offs p90 |
| 2013-06 | 4 | capital falling, NIM <2.5% |  |
| 2013-09 | 3 |  | capital falling |
| 2013-12 | 2 |  | NIM <2.5% |
| 2014-03 | 4 | NIM <2.5%, charge-offs p90 |  |
| 2014-06 | 3 |  | charge-offs p90 |
| 2014-09 | 2 |  | NIM <2.5% |
| 2014-12 | 2 |  |  |
| 2015-03 | 3 | charge-offs p90 |  |
| 2015-06 | 2 |  | charge-offs p90 |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 3 | capital falling |  |
| 2016-06 | 2 |  | capital falling |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | noncurrent p90 |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 3 | noncurrent p90, charge-offs p90 |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 1 |  | noncurrent p90, charge-offs p90 |
| 2019-12 | 2 | noncurrent p90 |  |
| 2020-03 | 3 | charge-offs p90 |  |
| 2020-06 | 1 |  | noncurrent p90, charge-offs p90 |
| 2020-09 | 2 | noncurrent p90 |  |
| 2020-12 | 1 | capital falling | reserve under noncurrent, noncurrent p90 |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 1 | NIM <2.5% |  |
| 2021-09 | 2 | capital falling |  |
| 2021-12 | 2 |  |  |

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

- 2013-06-03 [Citizens Bank of Fayette celebrates 100 years of business - tuscaloosanews.com](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPdzlUajdLa2V1QVR4anVkQ2dLbGtJRlRWUVR4akxRMFNMTmJxV3hhZEpYdDkzWnpfbGQyOXh0THA4WGtPbXhyMmpNbTRmaEtkNHU1ZTZuRGpPWGNqd1k4cERndlNwVGZsVUtsaU80dlpCejg2VGdIZHNHQ3dpMmswTFpUWnB5RDd3aTRuSzllQXVsVDIwTVJLUkxpOG1IeDdndXhoS3N6ZExQSHpmUUJJUkE3eUtpQ1RIamlDR25pbm0?oc=5) · tuscaloosanews.com
- 2021-10-04 [Robert H. Robertson - AL.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPYmZsR0g4YUJibG5oTURpNkUwNlo4MGpsb0VaZnJ0SDBqd3hUeTUycXpCNDRWeGhmRkJjZDJsVG9BUS1saDd4QVFDUHctU2hyRHBCd01sOWwtWm9YdWRIMnFLZzFvRXYyNGxIN05KaVhWOTFlQy1CcnVVQUcyVGI4M09DNUJDRzZfeXdySEpIcUtDdw?oc=5) · AL.com
- 2016-01-31 [Jeffie Lawrence Obituary (2016) - Fayette, AL - Tuscaloosa News - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQUUhCdXN3djM5Um5XNXRxNTdsbmtpZzZ3R3lCa1Fxb1FiSkxtTEV6aXBqV3ZMVGxXREFLVmFZbTd5Mk9sQU03bUJ5TXRUQ1EyVHhtQi1Oc3RJeHo1ZGNlU000bF93QjNWczBWZDFxOFpHX1RUSDZ5N1d1Q2s4c2kwdGJxb1BxZjhPM2dGLXFKZVVNQQ?oc=5) · legacy.com
- 2011-03-27 [Risen from the ashes: A look back at the Fayette fire - tuscaloosanews.com](https://news.google.com/rss/articles/CBMiugFBVV95cUxNWW51VEhMWUxxWGduRXBodHVVc1UxazEyX3NGYWcyNzZ0Wnkxd2pKNXFPOTZLOGtVVHJqMW9QY00wdklVNWw3VlFvYmgtcm1PbHdKX0MtaXRPQzlOU0hUZ2Q5ek1JaGx6MlAtVEFnM1cwU09PUnBYenQxWTVvLVVxeFpDVkxCOUFfZlRVbEtZSFhjWDhoak1sb1JmTjJqci1JX1R3V0xEUndHMzhqVDdfcVRpam9aSG9HSVE?oc=5) · tuscaloosanews.com
- 2014-06-02 [Looking Back: June 2 - tuscaloosanews.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxNbDZ5TmhSVFZmYmJ5YlZZZjY2LWVDZURzZk5LRWdsaG1IVWdCYVRXQU5kU0hXMVYtczdFdkxYR0VjaGJodjhKRloyTWpOako1YXN5ZVhRam5aUl84SjhjQW1IWnBLaXNTUHc3SkdiSWVDYl9CQTVhNnFqbnRmbU1VQTJxR1I4Z05yZkdCYkNR?oc=5) · tuscaloosanews.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5600 (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/32.json (key "5600", 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