Headquartered in Winfield, Alabama, The Citizens Bank of Winfield is a state-chartered bank with $301.3M in total assets and $215.2M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1920.
The Citizens Bank of Winfield has a TellerScore of 83 out of 100 (strong) based on Q2 2026 data — higher than 84% of its 2,650 banks with $100 million – $1 billion. Among 93 banks headquartered in Alabama, it ranks 16th. Capital cushion contributes the most (100/100, 17.51%); earnings contributes the least (37/100, 0.43%).
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 fell 2 points (85 → 83), mostly because the loan quality component weakened by 7 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 81 |
| Q3 2024 | 80 |
| Q4 2024 | 78 |
| Q1 2025 | 75 |
| Q2 2025 | 85 |
| Q3 2025 | 86 |
| Q4 2025 | 85 |
| Q1 2026 | 85 |
| Q2 2026 | 83 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 16.39% |
| Q3 2024 | 16.58% |
| Q4 2024 | 16.44% |
| Q1 2025 | 18.34% |
| Q2 2025 | 18.43% |
| Q3 2025 | 18.00% |
| Q4 2025 | 17.69% |
| Q1 2026 | 17.48% |
| Q2 2026 | 17.51% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.06% |
| Q3 2024 | 0.15% |
| Q4 2024 | 0.12% |
| Q1 2025 | 1.01% |
| Q2 2025 | 0.07% |
| Q3 2025 | 0.11% |
| Q4 2025 | 0.21% |
| Q1 2026 | 0.05% |
| Q2 2026 | 0.26% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.18% |
| Q3 2024 | -0.22% |
| Q4 2024 | -0.59% |
| Q1 2025 | 0.24% |
| Q2 2025 | 0.41% |
| Q3 2025 | 0.47% |
| Q4 2025 | 0.48% |
| Q1 2026 | 0.49% |
| Q2 2026 | 0.43% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 83 | $301.3M | 17.51% | 0.26% | 0.43% | 52.2% |
| Q1 2026 | 85 | $293.4M | 17.48% | 0.05% | 0.49% | 51.4% |
| Q4 2025 | 85 | $294.6M | 17.69% | 0.21% | 0.48% | 50.3% |
| Q3 2025 | 86 | $281.6M | 18.00% | 0.11% | 0.47% | 45.5% |
| Q2 2025 | 85 | $271.5M | 18.43% | 0.07% | 0.41% | 46.0% |
| Q1 2025 | 75 | $271.3M | 18.34% | 1.01% | 0.24% | 41.5% |
| Q4 2024 | 78 | $271.0M | 16.44% | 0.12% | -0.59% | 38.9% |
| Q3 2024 | 80 | $314.9M | 16.58% | 0.15% | -0.22% | 37.5% |
| Q2 2024 | 81 | $317.4M | 16.39% | 0.06% | -0.18% | 37.0% |
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 |
|---|---|---|---|---|---|
| Farmers and Merchants BankBank Lafayette, AL | 70 out of 100, Strong | $307.6M | 11.6% | 0.98% | vs |
| Farmers and Merchants BankBank Piedmont, AL | 75 out of 100, Strong | $308.7M | 12.7% | 0.78% | vs |
| 22nd State Banking CompanyBank Mobile, AL | 41 out of 100, Below average | $292.2M | 11.1% | 3.39% | vs |
| HNB First BankBank Headland, AL | 64 out of 100, Moderate | $282.4M | 9.5% | 0.63% | vs |
| Phenix-Girard BankBank Phenix City, AL | 71 out of 100, Strong | $342.3M | 11.8% | 0.51% | vs |
| Liberty BankBank Geraldine, AL | 81 out of 100, Strong | $258.6M | 11.3% | 0.15% | vs |
Deposit insurance
Is my money safe at The Citizens Bank of Winfield?
Yes. The Citizens Bank of Winfield is an FDIC-insured institution (FDIC certificate #52). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 27.9% of deposits ($60.0M) 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 17.51%, 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%).
1 location
Branches
The Citizens Bank of Winfield lists 1 office in 1 city. Most locations:
- Winfield, AL (1)
Identity & history
Profile
- Legal name
- The Citizens Bank of Winfield
- Type
- State-chartered bank
- FDIC certificate #
- 52
- RSSD ID
- 293437
- Primary regulator
- FDIC
- Holding company
- Citizens Bcorp of Winfield Inc
- Established
- May 22, 1920
- Headquarters
- 236 Bankhead Hwy, Winfield, AL 35594
- Website
- www.cbwinfield.com
- Employees
- 35
Quick answers
The Citizens Bank of Winfield: common questions
Is The Citizens Bank of Winfield FDIC insured?
Yes. The Citizens Bank of Winfield is an FDIC-insured institution (FDIC certificate #52). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Citizens Bank of Winfield's TellerScore?
83 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 of Winfield ever failed?
There is no failure record for FDIC certificate #52 in the FDIC failed bank list.
How many branches does The Citizens Bank of Winfield have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Winfield
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First National BankBank Hamilton, AL | 97 out of 100, Very strong | $372.7M | 19.0% | 0.25% | vs |
| First State Bank of the South, Inc.Bank Sulligent, AL | 89 out of 100, Very strong | $130.7M | 16.4% | 0.24% | vs |
| The Bank of VernonBank Vernon, AL | 85 out of 100, Very strong | $445.4M | 16.6% | 0.47% | vs |
| West Alabama Bank & TrustBank Reform, AL | 77 out of 100, Strong | $929.0M | 12.2% | 0.44% | vs |
| Pinnacle BankBank Jasper, AL | 76 out of 100, Strong | $384.5M | 11.3% | 0.02% | vs |
| PeoplesTrust BankBank Hamilton, AL | 73 out of 100, Strong | $201.2M | 11.1% | 0.45% | vs |