FDIC Cert #17211 · Batesville, Arkansas · Est. 1953

The Citizens Bank - FDIC Bank Health Profile

A community-scale look at The Citizens Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$1.6B
Total assets
B
Health grade · Good
1.32%
Return on assets
9.9%
Tier 1 capital

Data updated July 2026

The verdict

The Citizens Bank earns a PlainBankData health grade of B (70/100), with 9.92% Tier 1 capital, profitable at 1.32% ROA, efficient (53% cost ratio).

#702
largest of 4,313 FDIC banks by assets
84th
percentile by asset size, nationally
9.92%
Tier 1 ratio - below the 10% well-capitalized line
65th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 17211 · AR B · 70/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-STRONG · SIZE-REGIONAL · BOOK-FULL

  • GRADE-B B (70/100)
  • MID-PACK #2970/4307
  • PHOTO-FINISH First US Bank · AL
  • TIER1-ADEQ 9.9% Tier 1
  • TEXAS-CLEAN 2.6% Texas
  • ROA-STRONG 1.32% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Arkansas: First US Bank, AL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around The Citizens Bank

Lowest and highest poles plus nearest scored peers outside Arkansas, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100First US Bank · AL · near70/100Luminate Bank · MN · near70/100Mountain Valley Bank · CO · …70/100The Citizens Bank · AR · thi…70/100The Commercial Bank… · AL · …70/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The Citizens Bank · July 2026

What The Citizens Bank's Call Report plate shows

The Citizens Bank (FDIC Cert #17211) carries a PlainBankData health grade of B at 70/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,970 of 4,307. Tier 1 capital prints at 9.92%, missing the 10% well-capitalized line. The Texas Ratio is 2.63%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.32%. Balance-sheet scale is $1.6B, 702nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First US Bank (AL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around The Citizens Bank

4 FAILURE resolutions in Arkansas since 2000 (3 since 2008)

The Citizens Bank's home state sits in the middle band of post-2000 FAILURE counts (4; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; The Citizens Bank remains an active FDIC-insured reporter.

  • ALLIED BANK MULBERRY, AR 2016 → TODAY'S BANK
  • FIRST SOUTHERN BANK BATESVILLE, AR 2010 → SOUTHERN BANK
  • ANB FINANCIAL NATIONAL ASSOCIATION BENTONVILLE, AR 2008 → PULASKI BANK AND TRUST CO

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Arkansas banks.

How The Citizens Bank's 70/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10070/100
The Citizens Bank's composite health score
Tier 1 Capital Ratio (9.92%) 18/40
Return on Assets (ROA) (1.32%) 20/25
Texas Ratio (2.63%) 20/20
Efficiency Ratio (53.18%) 12/15

70 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$1.6B

Total balance-sheet footings

Total Deposits

$1.5B

Customer-funded liabilities

Net Loans

$1.3B

Outstanding loan book

Net Income

$20M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.52% 9.92% 11.32%
Basel III capital ratios - The Citizens Bank

Where The Citizens Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Citizens Bank's score of 70/100 falls in the highlighted band.

The Citizens Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

70 31st percentile higher than 31% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. The Citizens Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

The Citizens Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The Citizens Bank's $1.6B falls in the highlighted band.

Safety ratios for The Citizens Bank

Tier 1 capital ratio
Well-capitalized 10%

9.92% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.92%
Texas Ratio
2.63%
Equity Capital
$135M

What these ratios mean →

Earnings posture at The Citizens Bank

Return on Assets (ROA)
65th percentile nationally
1.32%
Return on Equity (ROE)
15.90%
Efficiency Ratio
53.18%

What these mean →

Income & expense at The Citizens Bank

$87M
Interest Income
$6M
Non-Interest Income
$31M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The Citizens Bank reports a Texas Ratio of 2.63% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.63% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The Citizens Bank on FDIC BankFind →

Top banks in Arkansas by total assets

Largest banks headquartered in Arkansas
  1. 1
    Bank OZK $40.8B

    Little Rock, AR · Grade A

  2. 2
    Arvest Bank $27.8B

    Fayetteville, AR · Grade C

  3. 3
    Simmons Bank $24.5B

    Pine Bluff, AR · Grade C

  4. 4
    Centennial Bank $22.7B

    Conway, AR · Grade A

  5. 5
    First Security Bank $8.4B

    Searcy, AR · Grade A

Top 5 banks in Arkansas ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.6B here), outside Arkansas so the neighborhood is not state containment.

Transportation Alliance Bank, Inc. d/… $1.6B · UT Waukesha State Bank $1.6B · WI Landmark National Bank $1.6B · KS Everett Co-operative Bank $1.6B · MA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Citizens Bank (FDIC Cert #17211) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

The Citizens Bank Call Report profile · FDIC Failed Bank List · Arkansas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Arkansas

All Arkansas banks →
BankAssetsGradeROA
Bank OZKLittle Rock $40.8B A 1.78%
Arvest BankFayetteville $27.8B C 0.49%
Simmons BankPine Bluff $24.5B C -1.40%
Centennial BankConway $22.7B A 2.14%
First Security BankSearcy $8.4B A 1.81%
ENCORE BANKLittle Rock $3.6B C 0.19%
First Community BankBatesville $3.4B B 1.09%
Farmers Bank & Trust CompanyMagnolia $3.1B B 1.36%