Citizens Bank is a state-chartered bank headquartered in New Haven, Missouri, in business for about 92 years. At the end of Q2 2026 it reported $357.4M in total assets and $305.4M in deposits, with 4 offices.
Citizens Bank has a TellerScore of 54 out of 100 (below average) based on Q2 2026 data — higher than only 10% of its 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 176th. Capital cushion contributes the most (81/100, 13.10%); loan quality contributes the least (2/100, 2.95%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 5 points (59 → 54), mostly because the loan quality component weakened by 23 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 78 |
| Q3 2024 | 65 |
| Q4 2024 | 64 |
| Q1 2025 | 68 |
| Q2 2025 | 59 |
| Q3 2025 | 59 |
| Q4 2025 | 58 |
| Q1 2026 | 59 |
| Q2 2026 | 54 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.61% |
| Q3 2024 | 12.75% |
| Q4 2024 | 12.73% |
| Q1 2025 | 13.21% |
| Q2 2025 | 12.98% |
| Q3 2025 | 12.97% |
| Q4 2025 | 12.86% |
| Q1 2026 | 13.05% |
| Q2 2026 | 13.10% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.03% |
| Q3 2024 | 1.46% |
| Q4 2024 | 1.45% |
| Q1 2025 | 1.41% |
| Q2 2025 | 2.25% |
| Q3 2025 | 2.24% |
| Q4 2025 | 2.33% |
| Q1 2026 | 2.36% |
| Q2 2026 | 2.95% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.04% |
| Q3 2024 | 1.01% |
| Q4 2024 | 0.98% |
| Q1 2025 | 1.12% |
| Q2 2025 | 1.12% |
| Q3 2025 | 1.14% |
| Q4 2025 | 1.14% |
| Q1 2026 | 1.32% |
| Q2 2026 | 1.33% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 54 | $357.4M | 13.10% | 2.95% | 1.33% | 101.2% |
| Q1 2026 | 59 | $362.4M | 13.05% | 2.36% | 1.32% | 100.0% |
| Q4 2025 | 58 | $350.2M | 12.86% | 2.33% | 1.14% | 104.2% |
| Q3 2025 | 59 | $363.9M | 12.97% | 2.24% | 1.14% | 101.1% |
| Q2 2025 | 59 | $352.1M | 12.98% | 2.25% | 1.12% | 104.5% |
| Q1 2025 | 68 | $336.7M | 13.21% | 1.41% | 1.12% | 103.0% |
| Q4 2024 | 64 | $324.0M | 12.73% | 1.45% | 0.98% | 105.0% |
| Q3 2024 | 65 | $330.6M | 12.75% | 1.46% | 1.01% | 102.7% |
| Q2 2024 | 78 | $318.8M | 12.61% | 0.03% | 1.04% | 103.7% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Bank of VersaillesBank Versailles, MO | 89 out of 100, Very strong | $359.0M | 15.0% | 0.03% | vs |
| Heritage Community BankBank Union, MO | 59 out of 100, Moderate | $347.8M | 8.3% | 0.59% | vs |
| Community Bank of RaymoreBank Raymore, MO | 79 out of 100, Strong | $346.9M | 9.7% | 0.05% | vs |
| Farmers and Merchants Bank of St. ClairBank Saint Clair, MO | 84 out of 100, Strong | $343.5M | 12.8% | 0.00% | vs |
| Exchange Bank Co.Bank Kahoka, MO | 69 out of 100, Moderate | $341.5M | 9.1% | 1.33% | vs |
| Midwest Independent BankersBankBank Jefferson City, MO | 83 out of 100, Strong | $341.4M | 15.3% | 0.00% | vs |
Deposit insurance
Is my money safe at Citizens Bank?
Yes. Citizens Bank is an FDIC-insured institution (FDIC certificate #14488). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 21.3% of deposits ($65.1M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.10%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.37% (benchmark: 10%).
4 locations
Branches
Citizens Bank lists 4 offices in 4 cities. Most locations:
- Gerald, MO (1)
- New Haven, MO (1)
- Pacific, MO (1)
- Washington, MO (1)
Identity & history
Profile
- Legal name
- Citizens Bank
- Former names
- Citizens Bank of New Haven
- Type
- State-chartered bank
- FDIC certificate #
- 14488
- RSSD ID
- 1001853
- Primary regulator
- FDIC
- Holding company
- Citizens Financial Group Inc
- Established
- January 1, 1934
- Headquarters
- 100 Circle Dr, New Haven, MO 63068
- Website
- www.citizensbankmo.bank
- Employees
- 62
Quick answers
Citizens Bank: common questions
Is Citizens Bank FDIC insured?
Yes. Citizens Bank is an FDIC-insured institution (FDIC certificate #14488). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens Bank's TellerScore?
54 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Citizens Bank ever failed?
There is no failure record for FDIC certificate #14488 in the FDIC failed bank list.
How many branches does Citizens Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near New Haven
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Legends BankBank Linn, MO | 90 out of 100, Very strong | $635.5M | 18.3% | 0.51% | vs |
| The Maries County BankBank Vienna, MO | 89 out of 100, Very strong | $600.5M | 14.8% | 0.12% | vs |
| The Missouri BankBank Warrenton, MO | 88 out of 100, Very strong | $461.5M | 12.6% | 0.13% | vs |
| Farmers and Merchants Bank of St. ClairBank Saint Clair, MO | 84 out of 100, Strong | $343.5M | 12.8% | 0.00% | vs |
| Jonesburg State BankBank Jonesburg, MO | 81 out of 100, Strong | $145.6M | 9.9% | 0.00% | vs |
| HNB National BankBank Hannibal, MO | 81 out of 100, Strong | $1.3B | 9.7% | 0.06% | vs |