Citizens Bank is a state-chartered bank headquartered in Corvallis, Oregon, in business for about 69 years. At the end of Q2 2026 it reported $823.4M in total assets and $702.5M in deposits, with 14 offices.
Citizens Bank has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 72% of its 2,650 banks with $100 million – $1 billion. Among 13 banks headquartered in Oregon, it ranks 4th. Problem-loan coverage contributes the most (100/100, 0.2%); earnings contributes the least (27/100, 0.18%).
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 rose 4 points (74 → 78), mostly because the loan quality component improved by 17 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 73 |
| Q3 2024 | 75 |
| Q4 2024 | 78 |
| Q1 2025 | 80 |
| Q2 2025 | 74 |
| Q3 2025 | 75 |
| Q4 2025 | 75 |
| Q1 2026 | 79 |
| Q2 2026 | 78 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.39% |
| Q3 2024 | 12.22% |
| Q4 2024 | 13.23% |
| Q1 2025 | 13.88% |
| Q2 2025 | 13.79% |
| Q3 2025 | 13.41% |
| Q4 2025 | 13.17% |
| Q1 2026 | 13.81% |
| Q2 2026 | 13.88% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.03% |
| Q3 2024 | 0.08% |
| Q4 2024 | 0.05% |
| Q1 2025 | 0.07% |
| Q2 2025 | 0.55% |
| Q3 2025 | 0.27% |
| Q4 2025 | 0.25% |
| Q1 2026 | 0.05% |
| Q2 2026 | 0.04% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.32% |
| Q3 2024 | 0.36% |
| Q4 2024 | 0.37% |
| Q1 2025 | 0.26% |
| Q2 2025 | 0.27% |
| Q3 2025 | 0.25% |
| Q4 2025 | 0.31% |
| Q1 2026 | 0.30% |
| Q2 2026 | 0.18% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 78 | $823.4M | 13.88% | 0.04% | 0.18% | 54.5% |
| Q1 2026 | 79 | $810.4M | 13.81% | 0.05% | 0.30% | 52.7% |
| Q4 2025 | 75 | $831.7M | 13.17% | 0.25% | 0.31% | 50.8% |
| Q3 2025 | 75 | $846.2M | 13.41% | 0.27% | 0.25% | 49.8% |
| Q2 2025 | 74 | $832.8M | 13.79% | 0.55% | 0.27% | 50.3% |
| Q1 2025 | 80 | $798.5M | 13.88% | 0.07% | 0.26% | 53.0% |
| Q4 2024 | 78 | $807.3M | 13.23% | 0.05% | 0.37% | 52.3% |
| Q3 2024 | 75 | $831.7M | 12.22% | 0.08% | 0.36% | 51.8% |
| Q2 2024 | 73 | $918.9M | 11.39% | 0.03% | 0.32% | 53.5% |
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 Oregon
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Oregon Pacific Banking Company dba Oregon Pacific BankBank Florence, OR | 74 out of 100, Strong | $825.4M | 11.2% | 0.39% | vs |
| People's Bank of CommerceBank Medford, OR | 78 out of 100, Strong | $776.7M | 15.3% | 0.90% | vs |
| Bank of Eastern OregonBank Heppner, OR | 73 out of 100, Strong | $933.6M | 11.6% | 1.22% | vs |
| Pioneer Trust Bank, National AssociationBank Salem, OR | 81 out of 100, Strong | $712.5M | 15.3% | 1.32% | vs |
| First Federal Savings and Loan Association of McMinnvilleBank Mcminnville, OR | 76 out of 100, Strong | $678.7M | 11.9% | 0.04% | vs |
| Evergreen Federal BankBank Grants Pass, OR | 75 out of 100, Strong | $621.6M | 13.2% | 0.63% | vs |
Deposit insurance
Is my money safe at Citizens Bank?
Yes. Citizens Bank is an FDIC-insured institution (FDIC certificate #17809). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 36.3% of deposits ($255.3M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.88%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 23.43% (benchmark: 10%).
14 locations
Branches
Citizens Bank lists 14 offices in 12 cities. Most locations:
- Albany, OR (2)
- Corvallis, OR (2)
- Dallas, OR (1)
- Junction City, OR (1)
- Lebanon, OR (1)
- Mcminnville, OR (1)
- Oregon City, OR (1)
- Philomath, OR (1)
- Salem, OR (1)
- Silverton, OR (1)
- Springfield, OR (1)
- Tualatin, OR (1)
Identity & history
Profile
- Legal name
- Citizens Bank
- Former names
- Citizens Bank of Corvallis
- Type
- State-chartered bank
- FDIC certificate #
- 17809
- RSSD ID
- 98463
- Primary regulator
- FDIC
- Holding company
- Citizens Bcorp
- Established
- October 5, 1957
- Headquarters
- 275 Sw 3rd St, Corvallis, OR 97333
- Website
- www.citizensebank.com
- Employees
- 177
Quick answers
Citizens Bank: common questions
Is Citizens Bank FDIC insured?
Yes. Citizens Bank is an FDIC-insured institution (FDIC certificate #17809). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens Bank's TellerScore?
78 out of 100 (Strong), 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 #17809 in the FDIC failed bank list.
How many branches does Citizens Bank have?
14 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Corvallis
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Onpoint Community Credit UnionCredit union Portland, OR | 83 out of 100, Strong | $9.5B | 15.0% | 0.98% | vs |
| Willamette Valley BankBank Salem, OR | 81 out of 100, Strong | $465.4M | 17.0% | 0.22% | vs |
| People's Bank of CommerceBank Medford, OR | 78 out of 100, Strong | $776.7M | 15.3% | 0.90% | vs |
| Central Willamette Credit UnionCredit union Albany, OR | 77 out of 100, Strong | $617.6M | 14.4% | 1.02% | vs |
| Selco Community Credit UnionCredit union Springfield, OR | 77 out of 100, Strong | $3.0B | 11.9% | 0.37% | vs |
| Oregon State Credit UnionCredit union Corvallis, OR | 76 out of 100, Strong | $2.8B | 11.8% | 0.58% | vs |