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Citizens Bank
Mooresville, IN · FDIC Certificate #9647 · Chartered 02/1
Total assets
$690.63M
Total deposits
$622.82M
Total equity
$64.97M
Net loans
$461.75M
Branches (offices)
9
Net income (YTD)
$3.41M
Rank: #1,383 of 4,213 U.S. banks by assets · #30 of 87 in Indiana. Assets changed 4.1% and deposits 3.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.98% |
| Return on equity | 10.52% |
| Net interest margin (YTD) | 3.49% |
| Equity to assets | 9.41% |
| Tier 1 leverage ratio | 9.78% |
| Uninsured deposits (share of deposits) | 31.0% |
| Noncurrent loans (share of loans) | 0.09% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 74.1% |
| Real estate loans (share of loans) | 72.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $333.44M | 72.2% | |
| Commercial & industrial | $24.09M | 5.2% | |
| Consumer / individual | $108.83M | 23.6% | |
| Construction & development | $33.74M | 7.3% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $647.16M | $593.35M | $1.86M | $50.75M |
| Jun 2023 | $632.60M | $576.99M | $3.40M | $53.42M |
| Jun 2024 | $650.84M | $592.85M | $1.82M | $56.07M |
| Jun 2025 | $663.28M | $601.14M | $3.54M | $60.11M |
| Jun 2026 | $690.63M | $622.82M | $3.41M | $64.97M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Indiana | $622.82M | 9 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $622.82M.
Similar-sized banks
Trupoint Bank ($690.75M) · Capital Bank ($689.72M)
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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