The Citizens Bank is a state-chartered bank headquartered in Enterprise, Alabama, in business for about 80 years. At the end of Q2 2026 it reported $233.3M in total assets and $209.8M in deposits, with 2 offices.
The Citizens Bank has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than only 43% of its 2,650 banks with $100 million – $1 billion. Among 93 banks headquartered in Alabama, it ranks 53rd. Problem-loan coverage contributes the most (94/100, 2.8%); capital cushion contributes the least (56/100, 10.56%).
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 7 points (63 → 70), mostly because the capital cushion component improved by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 63 |
| Q3 2024 | 67 |
| Q4 2024 | 66 |
| Q1 2025 | 68 |
| Q2 2025 | 63 |
| Q3 2025 | 65 |
| Q4 2025 | 65 |
| Q1 2026 | 68 |
| Q2 2026 | 70 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.80% |
| Q3 2024 | 9.25% |
| Q4 2024 | 9.84% |
| Q1 2025 | 10.14% |
| Q2 2025 | 9.71% |
| Q3 2025 | 9.69% |
| Q4 2025 | 10.01% |
| Q1 2026 | 10.43% |
| Q2 2026 | 10.56% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.12% |
| Q3 2024 | 0.04% |
| Q4 2024 | 0.24% |
| Q1 2025 | 0.04% |
| Q2 2025 | 0.59% |
| Q3 2025 | 0.35% |
| Q4 2025 | 0.44% |
| Q1 2026 | 0.34% |
| Q2 2026 | 0.42% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.69% |
| Q3 2024 | 0.74% |
| Q4 2024 | 0.78% |
| Q1 2025 | 0.70% |
| Q2 2025 | 0.91% |
| Q3 2025 | 0.97% |
| Q4 2025 | 1.03% |
| Q1 2026 | 0.92% |
| Q2 2026 | 1.12% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 70 | $233.3M | 10.56% | 0.42% | 1.12% | 77.4% |
| Q1 2026 | 68 | $250.7M | 10.43% | 0.34% | 0.92% | 81.9% |
| Q4 2025 | 65 | $241.8M | 10.01% | 0.44% | 1.03% | 90.8% |
| Q3 2025 | 65 | $245.7M | 9.69% | 0.35% | 0.97% | 76.8% |
| Q2 2025 | 63 | $247.4M | 9.71% | 0.59% | 0.91% | 72.5% |
| Q1 2025 | 68 | $232.9M | 10.14% | 0.04% | 0.70% | 75.6% |
| Q4 2024 | 66 | $223.5M | 9.84% | 0.24% | 0.78% | 76.5% |
| Q3 2024 | 67 | $231.4M | 9.25% | 0.04% | 0.74% | 74.8% |
| Q2 2024 | 63 | $245.4M | 8.80% | 0.12% | 0.69% | 75.9% |
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 |
|---|---|---|---|---|---|
| Community Spirit BankBank Red Bay, AL | 77 out of 100, Strong | $228.8M | 9.7% | 0.00% | vs |
| The First National Bank and TrustBank Atmore, AL | 74 out of 100, Strong | $238.6M | 11.5% | 0.10% | vs |
| First Bank of BoazBank Boaz, AL | 88 out of 100, Very strong | $239.8M | 19.7% | 0.05% | vs |
| BankSouthBank Dothan, AL | 84 out of 100, Strong | $221.5M | 19.1% | 0.02% | vs |
| Friend BankBank Slocomb, AL | 85 out of 100, Very strong | $221.0M | 13.5% | 0.48% | vs |
| First Financial BankBank Bessemer, AL | 61 out of 100, Moderate | $248.1M | 10.7% | 1.52% | vs |
Deposit insurance
Is my money safe at The Citizens Bank?
Yes. The Citizens Bank is an FDIC-insured institution (FDIC certificate #16369). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 31.5% of deposits ($66.2M) 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 10.56%, 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%).
2 locations
Branches
The Citizens Bank lists 2 offices in 2 cities. Most locations:
- Enterprise, AL (1)
- Fairhope, AL (1)
HMDA 2025
Mortgage lending
In 2025, The Citizens Bank reported 37 home-loan applications under HMDA (LEI 549300V4UDO1FVIAXD70): 34 originated ($11,800,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, 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
- The Citizens Bank
- Type
- State-chartered bank
- FDIC certificate #
- 16369
- RSSD ID
- 374130
- Primary regulator
- FDIC
- Holding company
- Enterprise Capital Corp Inc
- Established
- February 5, 1946
- Headquarters
- 301 S Edwards St, Enterprise, AL 36330
- Website
- www.tcbenterprise.com
- Employees
- 31
Quick answers
The Citizens Bank: common questions
Is The Citizens Bank FDIC insured?
Yes. The Citizens Bank is an FDIC-insured institution (FDIC certificate #16369). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Citizens Bank's TellerScore?
70 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 The Citizens Bank ever failed?
There is no failure record for FDIC certificate #16369 in the FDIC failed bank list.
How many branches does The Citizens Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Enterprise
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Samson Banking Company, Inc.Bank Samson, AL | 94 out of 100, Very strong | $124.5M | 14.8% | 0.00% | vs |
| Friend BankBank Slocomb, AL | 85 out of 100, Very strong | $221.0M | 13.5% | 0.48% | vs |
| CCB Community BankBank Andalusia, AL | 79 out of 100, Strong | $661.9M | 10.5% | 0.19% | vs |
| The First National Bank of HartfordBank Hartford, AL | 75 out of 100, Strong | $173.0M | 12.9% | 1.19% | vs |
| Five Star Credit UnionCredit union Dothan, AL | 72 out of 100, Strong | $1.3B | 13.8% | 1.50% | vs |
| BankPlusBank Belzoni, MS | 71 out of 100, Strong | $8.4B | 10.8% | 0.64% | vs |