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 Citizens' Bank, Inc.
Citizens' Bank, Inc.
| RSSD ID 563336 | CERTIFICATE 23523 | ABA NUMBER 65103243 |
| 21980 Palmer Street |
Quarter Ended : |
2025-12-31 |
| Robertsdale, Alabama, 36567 |
Updated : |
2026-02-09 |
| WWW.CITIZENSBANKAL.COM |
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| Institution Profile |
| Year Opened : |
1981 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
Yes |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
3 |
Number of Employees : |
29 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 155,974 |
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Total Interest Income | 7,473 |
| Total Liabilities | 141,597 |
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Total NonInterest Income | 286 |
| Total Bank Equity Capital | 14,377 |
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Total Interest Expense | 2,304 |
| Total Deposits | 139,906 |
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Total NonInterest Expense | 3,961 |
| Net Loans & Leases | 85,625 |
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Net Income | 1,422 |
| Loan Loss Allowance | 911 |
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Net Charge Offs | 7 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 84,740 |
| Total assets for the leverage ratio | 161,566 |
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Loans secured by real estate: | 71,115 |
| Tier 1 Leverage Ratio | 10.56 |
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Commercial and industrial loans | 7,682 |
| Off Balance Sheet Exposures (%) | 7.14 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 5,942 |
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:· Citizens' Bank, Inc.
