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Citizens Bank
New Haven, MO · FDIC Certificate #14488 · Chartered 01/0
Total assets
$357.45M
Total deposits
$305.37M
Total equity
$47.77M
Net loans
$308.89M
Branches (offices)
4
Net income (YTD)
$2.38M
Rank: #2,216 of 4,213 U.S. banks by assets · #87 of 190 in Missouri. Assets changed 1.5% and deposits 0.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.33% |
| Return on equity | 10.17% |
| Net interest margin (YTD) | 4.19% |
| Equity to assets | 13.36% |
| Tier 1 leverage ratio | 13.10% |
| Uninsured deposits (share of deposits) | 21.3% |
| Noncurrent loans (share of loans) | 2.95% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 101.2% |
| Real estate loans (share of loans) | 94.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $291.01M | 94.2% | |
| Commercial & industrial | $19.59M | 6.3% | |
| Consumer / individual | $1.68M | 0.5% | |
| Construction & development | $56.70M | 18.4% | |
| Agricultural | $573.00K | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $276.08M | $232.68M | $1.56M | $33.89M |
| Jun 2023 | $312.66M | $267.20M | $1.77M | $37.33M |
| Jun 2024 | $318.82M | $273.79M | $1.67M | $40.62M |
| Jun 2025 | $352.13M | $303.92M | $1.90M | $43.95M |
| Jun 2026 | $357.45M | $305.37M | $2.38M | $47.77M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $305.37M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $305.37M.
Similar-sized banks
Commercial Bank And Trust Of Pa ($357.46M) · Murphy Bank ($357.18M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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