Headquartered in Robertsdale, Alabama, Citizens' Bank, Inc. is a state-chartered bank with $158.9M in total assets and $143.1M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1981.
Citizens' Bank, Inc. has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 2,650 banks with $100 million – $1 billion. Among 93 banks headquartered in Alabama, it ranks 30th. Problem-loan coverage contributes the most (99/100, 0.7%); capital cushion contributes the least (60/100, 11.00%).
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 5 points (72 → 77), mostly because the earnings component improved by 18 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 69 |
| Q4 2024 | 71 |
| Q1 2025 | 73 |
| Q2 2025 | 72 |
| Q3 2025 | 73 |
| Q4 2025 | 74 |
| Q1 2026 | 74 |
| Q2 2026 | 77 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.06% |
| Q3 2024 | 10.26% |
| Q4 2024 | 10.45% |
| Q1 2025 | 10.35% |
| Q2 2025 | 10.44% |
| Q3 2025 | 10.34% |
| Q4 2025 | 10.56% |
| Q1 2026 | 10.73% |
| Q2 2026 | 11.00% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.16% |
| Q3 2024 | 0.26% |
| Q4 2024 | 0.20% |
| Q1 2025 | 0.20% |
| Q2 2025 | 0.30% |
| Q3 2025 | 0.20% |
| Q4 2025 | 0.30% |
| Q1 2026 | 0.25% |
| Q2 2026 | 0.14% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.32% |
| Q3 2024 | 0.38% |
| Q4 2024 | 0.49% |
| Q1 2025 | 0.75% |
| Q2 2025 | 0.71% |
| Q3 2025 | 0.79% |
| Q4 2025 | 0.91% |
| Q1 2026 | 1.01% |
| Q2 2026 | 1.16% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 77 | $158.9M | 11.00% | 0.14% | 1.16% | 59.1% |
| Q1 2026 | 74 | $158.6M | 10.73% | 0.25% | 1.01% | 57.8% |
| Q4 2025 | 74 | $156.0M | 10.56% | 0.30% | 0.91% | 61.2% |
| Q3 2025 | 73 | $159.3M | 10.34% | 0.20% | 0.79% | 58.4% |
| Q2 2025 | 72 | $156.3M | 10.44% | 0.30% | 0.71% | 55.5% |
| Q1 2025 | 73 | $155.9M | 10.35% | 0.20% | 0.75% | 56.5% |
| Q4 2024 | 71 | $151.4M | 10.45% | 0.20% | 0.49% | 56.1% |
| Q3 2024 | 69 | $149.3M | 10.26% | 0.26% | 0.38% | 56.0% |
| Q2 2024 | 69 | $153.0M | 10.06% | 0.16% | 0.32% | 55.5% |
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 Alabama
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Sweet Water State BankBank Sweet Water, AL | 67 out of 100, Moderate | $150.0M | 9.7% | 1.30% | vs |
| Valley State BankBank Russellville, AL | 82 out of 100, Strong | $169.5M | 17.8% | 0.97% | vs |
| The First National Bank of HartfordBank Hartford, AL | 75 out of 100, Strong | $173.0M | 12.9% | 1.19% | vs |
| Bank of MoundvilleBank Moundville, AL | 55 out of 100, Moderate | $144.6M | 15.1% | 5.45% | vs |
| North Alabama BankBank Hazel Green, AL | 80 out of 100, Strong | $178.6M | 11.7% | 0.15% | vs |
| Merchants & Farmers Bank of Greene County, AlabamaBank Eutaw, AL | 46 out of 100, Below average | $135.9M | 11.7% | 5.41% | vs |
Deposit insurance
Is my money safe at Citizens' Bank, Inc.?
Yes. Citizens' Bank, Inc. is an FDIC-insured institution (FDIC certificate #23523). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 30.4% of deposits ($43.6M) 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 11.00%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
Citizens' Bank, Inc. lists 3 offices in 3 cities. Most locations:
- Fairhope, AL (1)
- Foley, AL (1)
- Robertsdale, AL (1)
Identity & history
Profile
- Legal name
- Citizens' Bank, Inc.
- Type
- State-chartered bank
- FDIC certificate #
- 23523
- RSSD ID
- 563336
- Primary regulator
- FDIC
- Holding company
- Citizens Capital Corp
- Established
- September 8, 1981
- Headquarters
- 21980 Palmer Street, Robertsdale, AL 36567
- Website
- www.citizensbankal.com
- Employees
- 30
Quick answers
Citizens' Bank, Inc.: common questions
Is Citizens' Bank, Inc. FDIC insured?
Yes. Citizens' Bank, Inc. is an FDIC-insured institution (FDIC certificate #23523). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens' Bank, Inc.'s TellerScore?
77 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, Inc. ever failed?
There is no failure record for FDIC certificate #23523 in the FDIC failed bank list.
How many branches does Citizens' Bank, Inc. have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Robertsdale
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| University of South Alabama Federal Credit UnionCredit union Mobile, AL | 96 out of 100, Very strong | $56.2M | 16.4% | 0.49% | vs |
| Family Security Credit UnionCredit union Decatur, AL | 95 out of 100, Very strong | $1.1B | 19.9% | 0.61% | vs |
| Navigator Federal Credit UnionCredit union Pascagoula, MS | 90 out of 100, Very strong | $406.7M | 18.0% | 0.38% | vs |
| Mobile Government Emp. Credit UnionCredit union Mobile, AL | 90 out of 100, Very strong | $15.0M | 22.0% | 0.00% | vs |
| Blue Flame Credit UnionCredit union Mobile, AL | 90 out of 100, Very strong | $10.7M | 15.4% | 0.00% | vs |
| The Warrington BankBank Pensacola, FL | 88 out of 100, Very strong | $173.9M | 16.7% | 0.00% | vs |