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The Citizens Bank
Batesville, AR · FDIC Certificate #17211 · Chartered 04/2
Total assets
$1.62B
Total deposits
$1.47B
Total equity
$145.42M
Net loans
$1.25B
Branches (offices)
16
Net income (YTD)
$12.41M
Rank: #695 of 4,213 U.S. banks by assets · #15 of 78 in Arkansas. Assets changed 8.9% and deposits 8.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.55% |
| Return on equity | 17.58% |
| Net interest margin (YTD) | 3.74% |
| Equity to assets | 8.99% |
| Tier 1 leverage ratio | 8.87% |
| Uninsured deposits (share of deposits) | 22.8% |
| Noncurrent loans (share of loans) | 0.37% |
| Net charge-offs (share of loans) | 0.08% |
| Loans to deposits | 85.2% |
| Real estate loans (share of loans) | 83.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.04B | 83.1% | |
| Commercial & industrial | $185.77M | 14.9% | |
| Consumer / individual | $10.58M | 0.8% | |
| Construction & development | $109.14M | 8.7% | |
| Agricultural | $21.50M | 1.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.19B | $1.06B | $5.78M | $107.56M |
| Jun 2023 | $1.37B | $1.22B | $4.54M | $111.56M |
| Jun 2024 | $1.44B | $1.31B | $5.69M | $116.16M |
| Jun 2025 | $1.48B | $1.35B | $10.50M | $125.14M |
| Jun 2026 | $1.62B | $1.47B | $12.41M | $145.42M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Arkansas | $1.47B | 16 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.47B.
Similar-sized banks
International Finance Bank ($1.62B) · The Nodaway Valley Bank ($1.62B)
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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