Headquartered in Beverly, Ohio, The Citizens Bank Company is a state-chartered bank with $334.6M in total assets and $291.0M in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1863.
The Citizens Bank Company has a TellerScore of 86 out of 100 (very strong) based on Q2 2026 data — higher than 90% of its 2,650 banks with $100 million – $1 billion. Among 157 banks headquartered in Ohio, it ranks 14th. Problem-loan coverage contributes the most (97/100, 1.6%); earnings contributes the least (78/100, 1.46%).
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 (82 → 86), mostly because the earnings component improved by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 83 |
| Q3 2024 | 81 |
| Q4 2024 | 84 |
| Q1 2025 | 82 |
| Q2 2025 | 82 |
| Q3 2025 | 82 |
| Q4 2025 | 83 |
| Q1 2026 | 87 |
| Q2 2026 | 86 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.86% |
| Q3 2024 | 12.50% |
| Q4 2024 | 12.87% |
| Q1 2025 | 13.11% |
| Q2 2025 | 13.09% |
| Q3 2025 | 13.08% |
| Q4 2025 | 13.33% |
| Q1 2026 | 13.79% |
| Q2 2026 | 13.56% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.05% |
| Q3 2024 | 0.08% |
| Q4 2024 | 0.06% |
| Q1 2025 | 0.33% |
| Q2 2025 | 0.31% |
| Q3 2025 | 0.31% |
| Q4 2025 | 0.30% |
| Q1 2026 | 0.37% |
| Q2 2026 | 0.39% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.06% |
| Q3 2024 | 1.00% |
| Q4 2024 | 1.17% |
| Q1 2025 | 1.08% |
| Q2 2025 | 1.15% |
| Q3 2025 | 1.12% |
| Q4 2025 | 1.13% |
| Q1 2026 | 1.59% |
| Q2 2026 | 1.46% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 86 | $334.6M | 13.56% | 0.39% | 1.46% | 63.8% |
| Q1 2026 | 87 | $329.7M | 13.79% | 0.37% | 1.59% | 66.0% |
| Q4 2025 | 83 | $331.1M | 13.33% | 0.30% | 1.13% | 64.2% |
| Q3 2025 | 82 | $331.9M | 13.08% | 0.31% | 1.12% | 66.5% |
| Q2 2025 | 82 | $332.4M | 13.09% | 0.31% | 1.15% | 69.8% |
| Q1 2025 | 82 | $322.3M | 13.11% | 0.33% | 1.08% | 67.6% |
| Q4 2024 | 84 | $320.7M | 12.87% | 0.06% | 1.17% | 69.0% |
| Q3 2024 | 81 | $321.1M | 12.50% | 0.08% | 1.00% | 68.8% |
| Q2 2024 | 83 | $313.5M | 12.86% | 0.05% | 1.06% | 69.9% |
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 Ohio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| New Carlisle Federal Savings BankBank New Carlisle, OH | 49 out of 100, Below average | $330.5M | 8.4% | 1.78% | vs |
| The Farmers State BankBank New Madison, OH | 75 out of 100, Strong | $329.6M | 10.9% | 0.28% | vs |
| RiverHills BankBank Milford, OH | 73 out of 100, Strong | $340.8M | 10.7% | 0.12% | vs |
| The Hocking Valley BankBank Athens, OH | 77 out of 100, Strong | $354.0M | 11.4% | 0.54% | vs |
| Farmers & Merchants BankBank Miamisburg, OH | 74 out of 100, Strong | $359.4M | 12.2% | 1.04% | vs |
| The First National Bank of BellevueBank Bellevue, OH | 54 out of 100, Below average | $309.7M | 9.4% | 1.77% | vs |
Deposit insurance
Is my money safe at The Citizens Bank Company?
Yes. The Citizens Bank Company is an FDIC-insured institution (FDIC certificate #10266). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 24.5% of deposits ($71.3M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.56%, 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%).
5 locations
Branches
The Citizens Bank Company lists 5 offices in 5 cities. Most locations:
- Barlow, OH (1)
- Belpre, OH (1)
- Belpre Township, OH (1)
- Beverly, OH (1)
- Marietta, OH (1)
Identity & history
Profile
- Legal name
- The Citizens Bank Company
- Type
- State-chartered bank
- FDIC certificate #
- 10266
- RSSD ID
- 1010015
- Primary regulator
- FDIC
- Holding company
- Muskingum Valley Bancshares
- Established
- January 1, 1863
- Headquarters
- 501 5th St, Beverly, OH 45715
- Website
- www.thecitizens.com
- Employees
- 50
Quick answers
The Citizens Bank Company: common questions
Is The Citizens Bank Company FDIC insured?
Yes. The Citizens Bank Company is an FDIC-insured institution (FDIC certificate #10266). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Citizens Bank Company's TellerScore?
86 out of 100 (Very 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 Company ever failed?
There is no failure record for FDIC certificate #10266 in the FDIC failed bank list.
How many branches does The Citizens Bank Company have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Beverly
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Settlers BankBank Marietta, OH | 94 out of 100, Very strong | $142.4M | 16.2% | 0.18% | vs |
| First Bank of OhioBank Tiffin, OH | 90 out of 100, Very strong | $278.4M | 35.5% | 0.26% | vs |
| The Waterford Commercial and Savings BankBank Waterford, OH | 83 out of 100, Strong | $60.0M | 13.6% | 0.09% | vs |
| Southeastern Ohio Credit UnionCredit union Cambridge, OH | 78 out of 100, Strong | $65.4M | 12.1% | 1.03% | vs |
| West Virginia Central Federal Credit UnionCredit union Parkersburg, WV | 76 out of 100, Strong | $341.3M | 13.2% | 0.87% | vs |
| United BankBank Fairfax, VA | 74 out of 100, Strong | $33.6B | 11.6% | 0.44% | vs |