TellerScore

Citizens Bank (FDIC certificate #9647) is based in Mooresville, Indiana. Its Q2 2026 call report shows $690.6M in total assets and $622.8M in deposits and 9 offices.

Based on its Q2 2026 filing, Citizens Bank scores 71/100, which we describe as strong. That is higher than only 47% of 2,650 banks with $100 million – $1 billion. Among 88 banks headquartered in Indiana, it ranks 26th. Its strongest component is problem-loan coverage (99/100; 0.6%), and its lowest is capital cushion (48/100; 9.78%).

TellerScore · Q2 2026

Scorecard

Capital cushion48/100
Tier 1 leverage ratio: 9.78%
Loan quality97/100
Noncurrent loans ÷ total loans: 0.09%
Earnings59/100
Return on assets (annualized): 0.98%
Funding & liquidity68/100
Loans ÷ deposits and uninsured-deposit share: 74.1% · 31.0% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.58%

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 2 points (73 → 71), mostly because the earnings component weakened by 4 points.

TellerScore
697275Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202469
Q3 202470
Q4 202469
Q1 202575
Q2 202573
Q3 202572
Q4 202572
Q1 202671
Q2 202671
Tier 1 leverage ratio
5.00%7.55%10.11%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.82%
Q3 20249.91%
Q4 20249.92%
Q1 20259.97%
Q2 202510.11%
Q3 20259.77%
Q4 20259.80%
Q1 20269.69%
Q2 20269.78%
Noncurrent loans
0.02%0.05%0.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.02%
Q3 20240.03%
Q4 20240.03%
Q1 20250.02%
Q2 20250.02%
Q3 20250.02%
Q4 20250.02%
Q1 20260.05%
Q2 20260.09%
Return on assets
0.56%0.92%1.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.56%
Q3 20240.61%
Q4 20240.59%
Q1 20251.29%
Q2 20251.08%
Q3 20251.03%
Q4 20251.01%
Q1 20260.98%
Q2 20260.98%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$690.6M9.78%0.09%0.98%74.1%
Q1 202671$699.7M9.69%0.05%0.98%71.2%
Q4 202572$696.3M9.80%0.02%1.01%72.4%
Q3 202572$698.2M9.77%0.02%1.03%70.8%
Q2 202573$663.3M10.11%0.02%1.08%73.7%
Q1 202575$657.0M9.97%0.02%1.29%73.2%
Q4 202469$643.4M9.92%0.03%0.59%73.5%
Q3 202470$643.4M9.91%0.03%0.61%73.5%
Q2 202469$650.8M9.82%0.02%0.56%71.1%

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).

Capital ratio9.78%
26th
Total risk-based capital13.59%
60th
Problem loans0.09%
75th
Net charge-offs0.02%
37th
Return on assets0.98%
32nd
Net interest margin3.49%
27th
Efficiency ratio70.9%
28th
Loans to deposits74.1%
62nd
Uninsured deposits31.0%
25th
Loan-loss reserves1.26%
57th
Texas ratio0.6%
75th

Similar-size banks in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
First Federal Savings BankBank Rochester, IN56 out of 100, Moderate$686.6M9.3%0.94%vs
Springs Valley Bank & Trust CompanyBank French Lick, IN81 out of 100, Strong$675.3M12.5%0.14%vs
DeMotte State BankBank Demotte, IN54 out of 100, Below average$622.0M11.9%3.55%vs
Crossroads BankBank Wabash, IN57 out of 100, Moderate$616.1M9.5%1.41%vs
The North Salem State BankBank North Salem, IN64 out of 100, Moderate$769.6M9.0%0.67%vs
Freedom BankBank Huntingburg, IN82 out of 100, Strong$585.7M12.6%0.23%vs

Deposit insurance

Is my money safe at Citizens Bank?

Yes. Citizens Bank is an FDIC-insured institution (FDIC certificate #9647). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 31.0% of deposits ($193.1M) 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 9.78%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.59% (benchmark: 10%).

Check how much of your own balance is covered

9 locations

Branches

Citizens Bank lists 9 offices in 9 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Citizens Bank reported 187 home-loan applications under HMDA (LEI 549300CABYW2DE2UTD57): 145 originated ($51,795,000 total), 19 denied, and 23 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Citizens Bank
Type
State-chartered bank
FDIC certificate #
9647
RSSD ID
44741
Primary regulator
FDIC
Holding company
Citba Financial Corp
Established
February 18, 1931
Headquarters
33 N Indiana St, Mooresville, IN 46158
Employees
122

Quick answers

Citizens Bank: common questions

Is Citizens Bank FDIC insured?

Yes. Citizens Bank is an FDIC-insured institution (FDIC certificate #9647). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Citizens Bank's TellerScore?

71 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 #9647 in the FDIC failed bank list.

How many branches does Citizens Bank have?

9 offices as of the latest FDIC data.

Nearby

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Hoosier United Credit UnionCredit union Indianapolis, IN83 out of 100, Strong$37.5M13.2%0.68%vs