Citizens Bank (FDIC #17211): Bank Stress & Real-Estate Credit Exposure
Citizens Bank (FDIC Cert #17211): bank stress 63/100, elevated, STABLE over 7 days; parent CITIZENS BANCSHARES BATESVILLE.
Citizens Bank (#17211) lends in 10 counties across 1 state; Citizens Bank (#17211) reaches 154 ZIP codes: Arkansas 10 counties, 154 ZIPs.
Citizens Bank (#17211) largest markets: Pulaski County, AR (72 branches, 36 ZIPs) (#17211), Benton County, AR (22 branches, 22 ZIPs) (#17211), Washington County, AR (40 branches, 20 ZIPs) (#17211), Independence County, AR (80 branches, 20 ZIPs) (#17211), Stone County, AR (16 branches, 16 ZIPs) (#17211), Lawrence County, AR (14 branches, 14 ZIPs) (#17211).
Citizens Bank (#17211) reports $1.62 billion in total assets; Citizens Bank (#17211) equity $145.4 million (9.0% of Citizens Bank (#17211) assets); Citizens Bank (#17211) domestic deposits $1.47 billion; Citizens Bank (#17211) net income $12.4 million; Citizens Bank (#17211) return on assets 1.55%; Citizens Bank (#17211) return on equity 17.58%; Citizens Bank (#17211) net interest income $27.5 million; Citizens Bank (#17211) call report June 30, 2026.
Citizens Bank (#17211) noncurrent real-estate loans 0.01% of its book; Citizens Bank (#17211) net charge-offs on real estate 0.31%; Citizens Bank (#17211) residential charge-offs 0.61%.
Citizens Bank (#17211) net interest margin 3.74% against an eight-quarter Citizens Bank (#17211) average of 3.51% (Citizens Bank (#17211) compression -0.23 points); Citizens Bank (#17211) real-estate loans 0.7% of equity; Citizens Bank (#17211) non-residential real estate 61.2% of equity; Citizens Bank (#17211) rate-exposure score 40/100, Citizens Bank (#17211) fixed-rate trap 40/100; Citizens Bank (#17211) risk type credit driven; Citizens Bank (#17211) rate regime rates elevated, Citizens Bank (#17211) snapshot October 20, 2026.
Citizens Bank (#17211) stress score moved from 61.8 on June 22, 2026 to 63 on October 20, 2026; Citizens Bank (#17211) ranged 61.8 to 63 over 117 snapshots.
Citizens Bank (#17211) alerts: 10 counties; top Citizens Bank (#17211) alert scores: Arkadelphia County, AR 22 (low); Fayetteville County, AR 22 (low); Hot Springs National Park County, AR 22 (low); Imboden County, AR 22 (low); Little Rock County, AR 22 (low).