TellerScore

The Citizens Bank (FDIC certificate #17211) is based in Batesville, Arkansas. Its Q2 2026 call report shows $1.6B in total assets and $1.5B in deposits and 16 offices.

Based on its Q2 2026 filing, The Citizens Bank scores 70/100, which we describe as strong. That is higher than 58% of 897 banks with $1 billion – $10 billion. Among 78 banks headquartered in Arkansas, it ranks 37th. Its strongest component is problem-loan coverage (94/100; 3.1%), and its lowest is capital cushion (39/100; 8.87%).

TellerScore · Q2 2026

Scorecard

Capital cushion39/100
Tier 1 leverage ratio: 8.87%
Loan quality88/100
Noncurrent loans ÷ total loans: 0.37%
Earnings82/100
Return on assets (annualized): 1.55%
Funding & liquidity67/100
Loans ÷ deposits and uninsured-deposit share: 85.2% · 22.8% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.12%

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 3 points (67 → 70), mostly because the earnings component improved by 6 points.

TellerScore
606570Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202460
Q3 202463
Q4 202463
Q1 202568
Q2 202567
Q3 202570
Q4 202567
Q1 202670
Q2 202670
Tier 1 leverage ratio
5.00%7.05%9.11%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.12%
Q3 20248.52%
Q4 20248.21%
Q1 20258.71%
Q2 20258.44%
Q3 20259.05%
Q4 20258.48%
Q1 20269.11%
Q2 20268.87%
Noncurrent loans
0.20%0.29%0.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.20%
Q3 20240.25%
Q4 20240.21%
Q1 20250.26%
Q2 20250.29%
Q3 20250.29%
Q4 20250.32%
Q1 20260.38%
Q2 20260.37%
Return on assets
0.80%1.18%1.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.80%
Q3 20240.91%
Q4 20240.97%
Q1 20251.33%
Q2 20251.41%
Q3 20251.42%
Q4 20251.32%
Q1 20261.53%
Q2 20261.55%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$1.6B8.87%0.37%1.55%85.2%
Q1 202670$1.6B9.11%0.38%1.53%87.5%
Q4 202567$1.6B8.48%0.32%1.32%86.0%
Q3 202570$1.6B9.05%0.29%1.42%83.7%
Q2 202567$1.5B8.44%0.29%1.41%88.2%
Q1 202568$1.5B8.71%0.26%1.33%86.8%
Q4 202463$1.5B8.21%0.21%0.97%92.8%
Q3 202463$1.5B8.52%0.25%0.91%88.9%
Q2 202460$1.4B8.12%0.20%0.80%93.9%

897 peers · $1 billion – $10 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 ratio8.87%
10th
Total risk-based capital11.61%
29th
Problem loans0.37%
62nd
Net charge-offs0.08%
34th
Return on assets1.55%
72nd
Net interest margin3.74%
52nd
Efficiency ratio48.2%
81st
Loans to deposits85.2%
55th
Uninsured deposits22.8%
77th
Loan-loss reserves1.47%
85th
Texas ratio3.1%
55th

Similar-size banks in Arkansas

InstitutionScoreAssetsCapitalProblem loansCompare
Signature Bank of ArkansasBank Fayetteville, AR67 out of 100, Moderate$1.6B9.6%0.04%vs
Chambers BankBank Danville, AR81 out of 100, Strong$1.6B12.6%0.23%vs
Relyance BankBank White Hall, AR76 out of 100, Strong$1.4B13.3%0.40%vs
Fm Bank And TrustBank Blytheville, AR69 out of 100, Moderate$1.4B8.6%0.52%vs
Legacy BankBank Springdale, AR65 out of 100, Moderate$1.3B8.8%0.10%vs
The Farmers & Merchants BankBank Stuttgart, AR67 out of 100, Moderate$2.0B9.8%0.39%vs

Deposit insurance

Is my money safe at The Citizens Bank?

Yes. The Citizens Bank is an FDIC-insured institution (FDIC certificate #17211). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 22.8% of deposits ($334.0M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.87%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.61% (benchmark: 10%).

Check how much of your own balance is covered

16 locations

Branches

The Citizens Bank lists 16 offices in 11 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The Citizens Bank reported 184 home-loan applications under HMDA (LEI 5493004EVKOLRF3JI477): 148 originated ($27,690,000 total), 23 denied, and 11 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.3%, 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 (Fed member)
FDIC certificate #
17211
RSSD ID
856748
Primary regulator
FED
Holding company
Citizens Bancshares Batesville
Established
April 24, 1953
Headquarters
655 S Saint Louis St, Batesville, AR 72501
Employees
199

Quick answers

The Citizens Bank: common questions

Is The Citizens Bank FDIC insured?

Yes. The Citizens Bank is an FDIC-insured institution (FDIC certificate #17211). 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 #17211 in the FDIC failed bank list.

How many branches does The Citizens Bank have?

16 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Batesville

InstitutionScoreAssetsCapitalProblem loansCompare
First Security BankBank Searcy, AR92 out of 100, Very strong$8.6B15.6%0.14%vs
Eagle Bank and Trust CompanyBank Little Rock, AR83 out of 100, Strong$505.7M16.4%0.65%vs
The First National Bank of Izard CountyBank Calico Rock, AR80 out of 100, Strong$234.8M31.1%2.09%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
First State BankBank Lonoke, AR77 out of 100, Strong$328.1M11.2%0.00%vs
First National BankBank Paragould, AR71 out of 100, Strong$2.6B11.1%0.19%vs