The Citizens Bank: how it compares with its peers
Against 34 AL banks with half to twice its assets, The Citizens Bank's strongest measure in Q2 2026 is efficiency ratio (53.46% vs. a 71.20% peer median). Its weakest relative measure is net interest margin (2.98% vs. 3.83%).
| Measure | The Citizens Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.09% | 1.02% | Middle third Ahead of 59% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.98% | 3.83% | Bottom third Ahead of 12% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 53.46% | 71.20% | Top third Ahead of 100% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.9M | $4.9M | Top third Ahead of 88% of peers |
| Loans to deposits Net loans and leases over total deposits. | 32.06% | 63.16% | Context |
What it means for lending operations
Its efficiency ratio of 53.46% is better than the 71.20% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First State Bank of the South, Inc. Sulligent, AL · $131M
- Brantley Bank and Trust Company Brantley, AL · $127M
- The Southern Bank Company Gadsden, AL · $133M
- The Samson Banking Company, Inc. Samson, AL · $124M
- Merchants & Farmers Bank of Greene County, Alabama Eutaw, AL · $136M
- Peoples Bank of Greensboro Greensboro, AL · $116M
Questions about The Citizens Bank
How big is The Citizens Bank?
The Citizens Bank, established in 1976, is headquartered in Greensboro, AL. It reported $129M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The Citizens Bank's return on assets?
1.09% annualized in Q2 2026, against a 1.02% median for 34 AL banks with half to twice its assets, ahead of 59% of them.
What is The Citizens Bank's efficiency ratio?
53.46% in Q2 2026: it spent about 53 cents in noninterest expense for each dollar of revenue. The peer median is 71.20%, and lower is better.
Is The Citizens Bank growing its loans?
Net loans shrank 1.4% over the year to Q2 2026, while deposits grew 0.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are AL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Alabama bank ranked.