# CITIZENS BANK
FLINT, MI · FDIC certificate 986 · asset band $1-10B · latest filing 2013-03 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $9.31B | |
| Deposits | $7.22B | |
| Loans and leases | $5.14B | |
| Total equity | $1.19B | |
| Loans / deposits | 69.72% (p34 of band) | 77.83% |
| Liquid assets / assets | 36.57% (p70 of band) | |
| Uninsured deposits / deposits | 11.14% (p22 of band) | 20.86% |
| Brokered deposits | 0.30% | |
| Wholesale funding | 9.03% (p58 of band) | |
| FHLB advances / assets | 7.03% | |
| Tier 1 leverage | 10.21% (p62 of band) | 9.62% |
| Unrealized securities loss / equity | 8.39% (p86 of band) | 3.09% |
| AOCI / equity | -0.27% (p47 of band) | |
| ROA (annualized) | 0.65% (p29 of band) | 0.87% |
| Net interest margin | 3.44% (p48 of band) | 3.49% |
| Efficiency ratio | 69.76% (p59 of band) | |
| Noncurrent loans | 1.26% (p41 of band) | 1.52% |
| Net charge-offs (annualized) | 0.45% (p87 of band) | |
| Reserve coverage of noncurrent | 159.97% | |
| Real estate % of loans | 51% | |
| Construction % of loans | 8.74% (p19 of band) | |
| Auto loans | $7.5M (0.15% of loans; DQ 0.37%, NCO -0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p38 of band) | |
| Deposits YoY | -4.3% | |
| Employees | 1959 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, charge-offs p90 |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 1 |  | losing money |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | charge-offs p90 |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |

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

- 2025-12-31 [Man in custody after police investigate bomb threat at Canton bank - CBS News](https://news.google.com/rss/articles/CBMipwFBVV95cUxPYUR3QnNHb1lJMHBYbV9WcGpZRHVlS1NMZWRZOVNQRzZObVZncWtXUXVfN2VfbDJRRlVzNFhBVEN0MzlieUxXc1NhLWRzUlRibzl3eGw3anVscEc3c0g4U1g1anllTTNSRUthMGFYZmVmSGxBVGo0RENDWk9FM1Q3RXVjNDJUcy15XzY1cHhOaGxQWThrTGJwZWpPQTdoTk8xdzhJSHYtd9IBrAFBVV95cUxQQWVsQWZ5VG9PYW1hNEZhdG04cTRmYWpnREYzNV9ZMWhIOFFlNVo0U1VEcG9wQWFtQmdzU1ljVjF2blVqT2tRdk9qU29aS3NSaVhjTXhBWDFkUDNyQnNrQldDRzB6ZC1nNWdJai1HQ3lBRzJSSGRMR21MZzhyWHEzUklJQnlzZC0ydlRYV0E3MnJjS05OS2tWU01PNDBBZ0tpbUdOY0w0NlFIaXRG?oc=5) · CBS News
- 2026-08-21 [Citizens Bank Is Closing These 6 Branches in 2026: Is Yours One? - FinanceBuzz](https://news.google.com/rss/articles/CBMiakFVX3lxTE0xVzdRazI5OXlGNVZWSDFPR1VjaU9rYzg1bjFfWE4tTlRLeVc3U01TLWUzMTZJLVFOYU14RG1Kd1JhU0V5NEw4WXcxY29hdm0wNGpVYUh5OHBCQ2ktcV9sWmhyYXpuZUstU0E?oc=5) · FinanceBuzz
- 2025-11-12 [Citizens Bank is closing more than a dozen branches in 7 states: See the list of the doomed locations - Yahoo Finance](https://news.google.com/rss/articles/CBMihAFBVV95cUxQaEJhZXVhaE5rWWdjTldxWC1nRDc3VEpoWFM1WWZzUzRwZFNuR2VNSWFYNVNEelVQdlFNZW5xRHpmYUxFZG16OHY4d28zVFpNSW10dkpveEJlc0Ytb1ozUUJUMWN3MHZFd0FNU09Fdng4T29nbTNKZXVJWk9HeUNMV1VTX0g?oc=5) · Yahoo Finance
- 2025-10-07 [Regional Banks, CUs: 3 Proven Strategies to Drive Growth - Resourceful Finance Pro](https://news.google.com/rss/articles/CBMifEFVX3lxTFAxR0V1c1lIRy1GXzQtSGNTNk9EM3N6NjM2M3FzT0p2b2hTUDc2aEw2NVR2Z0lUaDBUYXRTckJsanRGWXdsenQ1SnU3SEw3bldSSWhEcmNqLWdMMVNIM3R1Sks5a2FoZy0xTkpoUkVOaVJISDFDd01PR3IzM3I?oc=5) · Resourceful Finance Pro
- 2012-09-13 [Flint's Citizens Bank is being sold to Ohio bank - Michigan Public](https://news.google.com/rss/articles/CBMingFBVV95cUxQdUxYRnRkYXQ5WWQwRGU4SWJUQ3JYN0ZqaHFSWEUwemFiaXNza2paM2REMTNnZks4THg4LUtRd0pXYk9GRml4bWw3VVMzVWhVY2hBOU1rQUh3b0NtODFKM3ZRLXpCSU5KYVJVckQzZmVZazBFUW91al9mZ3dCNUpDYmVKOFVadDI1aVU5UldfQk5ZNmI5V3dJU0dkN3hPdw?oc=5) · Michigan Public
- 2025-01-14 [Citizens Bank Names Yasmeen Jasey Michigan President - DBusiness Magazine](https://news.google.com/rss/articles/CBMijwFBVV95cUxPTGNtbk4yQ25LUm5rd2JycThrTXctV3FUZ1NnM2RWb2V5aTY0NGgzUGhsYTBtc0tJRzdPSzRwSUdHWXZzZDBPbFM1VllKbnNVN0g0UC1kZVZILWxHaEdSZkh3Z0ZLOWd3Mjg4SUI2TUtoWW1EZTdJUko2a3JjbzNreFFFeEV3a3k4M0UyNXZSTQ?oc=5) · DBusiness Magazine
- 2022-09-28 [Irene Jedele, Wife, Mother of 6, Worked at Citizens Bank of Saline, Served as Lodi Township Deputy Clerk - The Saline Post](https://news.google.com/rss/articles/CBMivwFBVV95cUxOazlWOWVYRXh0TkNETmN5ejh5VHlXWWxHUzF1V0dmeFhfaVJXOGpvZTlqZkdlYXQ5NXg1cTNxTDlGTzdNcWtwaFV6QWJPZ2ZobkNlWTVLUnBZNzRzcW43ZExnb1NHbXlMYmx4YzZ2aThqVkx2ZTRBa2ZwRTVTQk1VMHlWVy1nWldNSXZ4bzNHNUhLYkxyLTdTZmtfcF9wb3dWVXJzdjJ3bERPVUJ2ejRCNXMwV2U2Y1QxalFkckhSNA?oc=5) · The Saline Post
- 2026-02-03 [Citizens Bank CD rates are competitive — but these 3 caveats make them a hard sell for some - Fortune](https://news.google.com/rss/articles/CBMiYEFVX3lxTE9OYW5zZ2hWbm1vRzkxRFV3cWFqZXJPN1p5Z254QVI1MFpUdmVIMHF0Z1dTSXprSkRWWUQxZ3VzREEyY1M4NENnZEZ2ZFYwT2d1ZFhQa1NXUDhjSW02M3l0NA?oc=5) · Fortune

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=986 (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/26.json (key "986", 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