The Citizens Bank of Winfield: how it compares with its peers
Against 42 AL banks with half to twice its assets, The Citizens Bank of Winfield's strongest measure in Q2 2026 is assets per employee ($8.6M vs. a $6.0M peer median). Its weakest relative measure is return on assets (0.43% vs. 1.15%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.43% | 1.15% | Bottom third Ahead of 2% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.78% | 4.16% | Bottom third Ahead of 5% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 66.84% | 61.96% | Bottom third Ahead of 29% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.6M | $6.0M | Top third Ahead of 88% of peers |
| Loans to deposits Net loans and leases over total deposits. | 52.17% | 69.87% | Context |
What it means for lending operations
Its efficiency ratio of 66.84% is above the 61.96% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Farmers and Merchants Bank Lafayette, AL · $308M
- Farmers and Merchants Bank Piedmont, AL · $309M
- 22nd State Banking Company Mobile, AL · $292M
- HNB First Bank Headland, AL · $282M
- Phenix-Girard Bank Phenix City, AL · $342M
- Liberty Bank Geraldine, AL · $259M
Questions about The Citizens Bank of Winfield
How big is The Citizens Bank of Winfield?
The Citizens Bank of Winfield, established in 1920, is headquartered in Winfield, AL. It reported $301M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The Citizens Bank of Winfield's return on assets?
0.43% annualized in Q2 2026, against a 1.15% median for 42 AL banks with half to twice its assets, ahead of 2% of them.
What is The Citizens Bank of Winfield's efficiency ratio?
66.84% in Q2 2026: it spent about 67 cents in noninterest expense for each dollar of revenue. The peer median is 61.96%, and lower is better.
Is The Citizens Bank of Winfield growing its loans?
Net loans grew 21.8% over the year to Q2 2026, while deposits grew 7.3%.
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.