The Citizens Bank (FDIC certificate #22358) is based in Greensboro, Alabama. Its Q2 2026 call report shows $129.2M in total assets and $116.2M in deposits and 1 office.
Based on its Q2 2026 filing, The Citizens Bank scores 67/100, which we describe as moderate. That is higher than only 34% of 2,650 banks with $100 million – $1 billion. Among 93 banks headquartered in Alabama, it ranks 61st. Its strongest component is funding & liquidity (93/100; 32% loans-to-deposits, 21% uninsured), and its lowest is loan quality (38/100; 1.87%).
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 (63 → 67), mostly because the loan quality component improved by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 77 |
| Q3 2024 | 76 |
| Q4 2024 | 70 |
| Q1 2025 | 67 |
| Q2 2025 | 63 |
| Q3 2025 | 65 |
| Q4 2025 | 62 |
| Q1 2026 | 68 |
| Q2 2026 | 67 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.06% |
| Q3 2024 | 13.02% |
| Q4 2024 | 11.97% |
| Q1 2025 | 12.19% |
| Q2 2025 | 12.15% |
| Q3 2025 | 12.33% |
| Q4 2025 | 11.80% |
| Q1 2026 | 11.94% |
| Q2 2026 | 12.22% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.05% |
| Q3 2024 | 1.20% |
| Q4 2024 | 1.26% |
| Q1 2025 | 1.69% |
| Q2 2025 | 2.16% |
| Q3 2025 | 2.07% |
| Q4 2025 | 2.06% |
| Q1 2026 | 1.58% |
| Q2 2026 | 1.87% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.19% |
| Q3 2024 | 1.19% |
| Q4 2024 | 1.00% |
| Q1 2025 | 0.99% |
| Q2 2025 | 0.97% |
| Q3 2025 | 1.08% |
| Q4 2025 | 0.98% |
| Q1 2026 | 1.10% |
| Q2 2026 | 1.09% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 67 | $129.2M | 12.22% | 1.87% | 1.09% | 32.1% |
| Q1 2026 | 68 | $129.8M | 11.94% | 1.58% | 1.10% | 33.0% |
| Q4 2025 | 62 | $130.7M | 11.80% | 2.06% | 0.98% | 33.5% |
| Q3 2025 | 65 | $127.6M | 12.33% | 2.07% | 1.08% | 32.6% |
| Q2 2025 | 63 | $127.0M | 12.15% | 2.16% | 0.97% | 32.7% |
| Q1 2025 | 67 | $124.8M | 12.19% | 1.69% | 0.99% | 33.3% |
| Q4 2024 | 70 | $121.8M | 11.97% | 1.26% | 1.00% | 34.1% |
| Q3 2024 | 76 | $120.4M | 13.02% | 1.20% | 1.19% | 36.0% |
| Q2 2024 | 77 | $116.6M | 13.06% | 1.05% | 1.19% | 37.6% |
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 |
|---|---|---|---|---|---|
| First State Bank of the South, Inc.Bank Sulligent, AL | 89 out of 100, Very strong | $130.7M | 16.4% | 0.24% | vs |
| Brantley Bank and Trust CompanyBank Brantley, AL | 48 out of 100, Below average | $126.9M | 10.1% | 2.55% | vs |
| The Southern Bank CompanyBank Gadsden, AL | 76 out of 100, Strong | $133.1M | 15.1% | 1.89% | vs |
| The Samson Banking Company, Inc.Bank Samson, AL | 94 out of 100, Very strong | $124.5M | 14.8% | 0.00% | vs |
| Merchants & Farmers Bank of Greene County, AlabamaBank Eutaw, AL | 46 out of 100, Below average | $135.9M | 11.7% | 5.41% | vs |
| Peoples Bank of GreensboroBank Greensboro, AL | 59 out of 100, Moderate | $115.5M | 8.9% | 1.29% | vs |
Deposit insurance
Is my money safe at The Citizens Bank?
Yes. The Citizens Bank is an FDIC-insured institution (FDIC certificate #22358). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 21.4% of deposits ($24.8M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.22%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 21.83% (benchmark: 10%).
1 location
Branches
The Citizens Bank lists 1 office in 1 city. Most locations:
- Greensboro, AL (1)
Identity & history
Profile
- Legal name
- The Citizens Bank
- Type
- State-chartered bank
- FDIC certificate #
- 22358
- RSSD ID
- 571135
- Primary regulator
- FDIC
- Holding company
- Citizens Bancshares Inc
- Established
- November 1, 1976
- Headquarters
- 1300 State St, Greensboro, AL 36744
- Employees
- 13
Quick answers
The Citizens Bank: common questions
Is The Citizens Bank FDIC insured?
Yes. The Citizens Bank is an FDIC-insured institution (FDIC certificate #22358). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Citizens Bank's TellerScore?
67 out of 100 (Moderate), 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 #22358 in the FDIC failed bank list.
How many branches does The Citizens Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Greensboro
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Federation of Greene County Empl. Federal Credit UnionCredit union Eutaw, AL | 99 out of 100, Very strong | $2.2M | 23.1% | 0.08% | vs |
| Demopolis Federal Credit UnionCredit union Demopolis, AL | 92 out of 100, Very strong | $3.3M | 54.9% | 0.54% | vs |
| Robertson Banking CompanyBank Demopolis, AL | 83 out of 100, Strong | $462.7M | 11.3% | 0.13% | vs |
| West Alabama Bank & TrustBank Reform, AL | 77 out of 100, Strong | $929.0M | 12.2% | 0.44% | vs |
| Naheola Credit UnionCredit union Pennington, AL | 74 out of 100, Strong | $219.6M | 18.0% | 1.97% | vs |
| Citizens Trust BankBank Atlanta, GA | 71 out of 100, Strong | $790.3M | 13.2% | 1.63% | vs |