# CITIZENS BANK
GENEVA, AL · FDIC certificate 59 · asset band <$300M · latest filing 2012-12 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (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 | $172.4M | |
| Deposits | $143.1M | |
| Loans and leases | $43.4M | |
| Total equity | $28.9M | |
| Loans / deposits | 29.46% (p5 of band) | 68.02% |
| Liquid assets / assets | 73.80% (p96 of band) | |
| Uninsured deposits / deposits | 10.67% (p60 of band) | 8.86% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 17.09% (p93 of band) | 10.05% |
| Unrealized securities loss / equity | 13.63% (p93 of band) | 3.01% |
| AOCI / equity | 0.28% (p66 of band) | |
| ROA (annualized) | 1.14% (p72 of band) | 0.76% |
| Net interest margin | 3.32% (p27 of band) | 3.75% |
| Efficiency ratio | 43.41% (p2 of band) | |
| Noncurrent loans | 3.78% (p82 of band) | 1.21% |
| Net charge-offs (annualized) | 0.22% (p65 of band) | |
| Reserve coverage of noncurrent | 75.99% | |
| Real estate % of loans | 72% | |
| Construction % of loans | 7.82% (p35 of band) | |
| Auto loans | $933,000 (2.15% of loans; DQ 7.61%, NCO 0.06%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.7% | |
| Employees | 24 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | charge-offs p90 |  |
| 2011-12 | 0 |  | charge-offs p90 |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | reserve under noncurrent |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |

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

- 2026-04-01 [CB&S Bank Parent Company Completes Acquisition of Citizens Bank & Trust - Discover Dade](https://news.google.com/rss/articles/CBMipwFBVV95cUxOVHhhWXFRemhZT2VTdUxmVUVvcWtWTThDYzFjYklXUVVkbFdGN2ZkRjZxc3JfU2w4WVZsRTg1VUg4N29zZnlwR2JOQXpFRU9PRWZMREdwcTBpbjNocE9ydm5rT0FTcUpoZk5kRkxiZGFoUkZuQ2h2RGxWYWRaMXEwLW5hU0lzYVRjVWZuVmhnRkI2aDkxbzl0ajNhTDJ1Y01TcEdpVk5zdw?oc=5) · Discover Dade
- 2026-04-01 [CBS Banc-Corp. acquires TAG Bancshares - businessalabama.com](https://news.google.com/rss/articles/CBMidEFVX3lxTE5FMUJLMXNTZ3JKNlFDSUhZOWRUWG1wVVdrMkh2SzVDOElmYzVmRm5VUG55bG1hcVFQcng5ajQwQ2wtWlFTcE16c2oxcllIVEdlelpjei1UVnlSRFJhVk1MVnZfQlNHWnhSSzJGc21yMnhmMExU?oc=5) · businessalabama.com
- 2026-02-10 [Alabama-owned credit union acquires 2 state locations - AL.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxOY1RpY0xLLU50LUE5MFllYmZybnhLcjVqZzVDWmM4bFZqcDdDeWM1NmFzOVpJRld1RWZlWFpRR20zNkNNbm5WSE5nY0Zia1FCZmxBMVBYN0JYbkUzS2Q3Wm9ER3BidXFKY2N0c2ZCdEJVQldGX3Rxd2pzY3BTWG1GLVhrY09sN18tYjNTSE5WbmRRdGdXRHpKX1Vn?oc=5) · AL.com
- 2026-07-14 [Bryce Harper on playing ASG at Citizens Bank Park - MLB.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxOZ0JHanNDLXRKQmJITnNvNzlOZW5hRXZKSXlEeGs1SmFaXzNJV3N3cldvMmp6cW1wbkFpREVDbmw1MFZLQ3psSEhvWjhFdjBmU3ZIYWdyMnVoR1pLWklTczRWWHBMQm9aUU10NmNRTmJuOVJ2ZGZfdW1WLUU5Sy1WRw?oc=5) · MLB.com
- 2026-05-18 [Citizens Bank class action alleges bank failed to protect sensitive information in data breach - Top Class Actions](https://news.google.com/rss/articles/CBMi7AFBVV95cUxQWVcxTDVMWlZRSktDcFppRlB0SnB6YUZ0dG1KTExsOWtSaTNYVGJYbmR3Q2RWczJNcG42Um00aE56dm0xWmM5dE8wMXM3S0c0MTM5dDA2WFlzU2VudTJFdmtCRm41Y0kxdVBqTjRvVkp3aFJhc2VnQUlvc0VQNmNMaG1Zd2R6a3dHcEc5Zk1PcUR1TzFERHd5UG1KdkdQSVdULTk5YVVzUC1HN2hza1l2MzdLNEdhNk1ld2wxblRDZm9pSlFzQmdDakFEbWc5b3lXd2tJTlQwTm5RbGVxZjZNVHVKX2lkY1N0aHhTRQ?oc=5) · Top Class Actions
- 2026-08-21 [Chicago Cubs to face Mariners prized pitching prospect Kade Anderson in his MLB debut Saturday in Seattle - Chicago Tribune](https://news.google.com/rss/articles/CBMijwFBVV95cUxNT2hvUjRsd1ROWjBNdFd3cFRmZzZOc2NpYWpUNFpHOGY0aGR3Q2J1alZfbDlybXBEX3l0bzhxX2JKSkw1TF9mZXRYaFROQ01iVWJ0NDBLR3oxRWV2cUFENkhNM0szajRGUF91cHIwUnpTTHJ2S0VkSFY3dHJXY0U2VHZFd0p1UkRLa1RJVW5rOA?oc=5) · Chicago Tribune
- 2026-07-14 [Four Tigers take center stage at MLB All-Star Game in Philly - The Detroit News](https://news.google.com/rss/articles/CBMi2AFBVV95cUxPdlZvLXg3VUREeFAtSkJmTXdJWmdCWFFKdTdNeV9GYnl1cEx4QlJqcXBmcnVxYkktZWEwUFBZY01DS2ZGZDhMRm1OWU9lVllUY055U2hWLUF0MGZyYVlGVmNRN1dtR01MZjZYNDNaaXVzanFmTHRnLTY4UHg4S2dyRC1lS1NRb2MweE5DVDBUWjhPajY1dlhkYk1SV0hreVNDTVdsRHNINWZVTWZVMkNLaElzUFBKTVExWk1YbGZPMkdwcFQxTERCdzFXZ2Zld3ZrbVNhWGxvX3c?oc=5) · The Detroit News
- 2026-07-13 [2026 Home Run Derby highlights. See the big blasts - delawareonline.com](https://news.google.com/rss/articles/CBMi1wFBVV95cUxPRlhTYkZyQWpld0pXU0FaN2N4cmZtbjUxbXpEVWhCWWgyWFp5Y05xYm5QcVNtNlBrSURybGxzZ3lkREtJcUFhZDFTczREeEN6RW51M1JRQjNYcGZNdW1fbUJtSDdFZEFjODVSWUotdGJUQkpIZHNfQ2dsMXNTVkQ1amp2a3VtNC1haW9mV2JINHJrLWlycTZ4cVdSRHliRGp4QnpaNkFSamlMeVhub1NPZExlenJqM1c0QVR4UFUxUGJSRk9fX0RZUEIwU0VkdzViY0NSanpTTQ?oc=5) · delawareonline.com

## How to verify

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