Citizens' Bank, Inc.: how it compares with its peers
Against 38 AL banks with half to twice its assets, Citizens' Bank, Inc.'s strongest measure in Q2 2026 is return on assets (1.16% vs. a 1.05% peer median). Its weakest relative measure is net interest margin (3.79% vs. 3.93%).
| Measure | Citizens' Bank, Inc. | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.16% | 1.05% | Top third Ahead of 68% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.79% | 3.93% | Middle third Ahead of 45% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 66.05% | 69.82% | Middle third Ahead of 63% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.3M | $5.1M | Middle third Ahead of 53% of peers |
| Loans to deposits Net loans and leases over total deposits. | 59.12% | 64.26% | Context |
What it means for lending operations
Its efficiency ratio of 66.05% is better than the 69.82% 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
- Sweet Water State Bank Sweet Water, AL · $150M
- Valley State Bank Russellville, AL · $169M
- The First National Bank of Hartford Hartford, AL · $173M
- Bank of Moundville Moundville, AL · $145M
- North Alabama Bank Hazel Green, AL · $179M
- Merchants & Farmers Bank of Greene County, Alabama Eutaw, AL · $136M
Questions about Citizens' Bank, Inc.
How big is Citizens' Bank, Inc.?
Citizens' Bank, Inc., established in 1981, is headquartered in Robertsdale, AL. It reported $159M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Citizens' Bank, Inc.'s return on assets?
1.16% annualized in Q2 2026, against a 1.05% median for 38 AL banks with half to twice its assets, ahead of 68% of them.
What is Citizens' Bank, Inc.'s efficiency ratio?
66.05% in Q2 2026: it spent about 66 cents in noninterest expense for each dollar of revenue. The peer median is 69.82%, and lower is better.
Is Citizens' Bank, Inc. growing its loans?
Net loans grew 6.3% over the year to Q2 2026, while deposits shrank 0.2%.
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.