Citizens Bank (FDIC #17809): Bank Stress & Real-Estate Credit Exposure
Citizens Bank (FDIC Cert #17809): bank stress 85/100, severe, STABLE over 7 days; parent CITIZENS BCORP.
Citizens Bank (#17809) lends in 8 counties across 1 state; Citizens Bank (#17809) reaches 160 ZIP codes: Oregon 8 counties, 160 ZIPs.
Citizens Bank (#17809) largest markets: Lane County, OR (78 branches, 39 ZIPs) (#17809), Clackamas County, OR (37 branches, 37 ZIPs) (#17809), Washington County, OR (32 branches, 32 ZIPs) (#17809), Marion County, OR (56 branches, 28 ZIPs) (#17809), Linn County, OR (66 branches, 22 ZIPs) (#17809), Yamhill County, OR (15 branches, 15 ZIPs) (#17809).
Citizens Bank (#17809) reports $823.4 million in total assets; Citizens Bank (#17809) equity $87.2 million (10.6% of Citizens Bank (#17809) assets); Citizens Bank (#17809) domestic deposits $702.5 million; Citizens Bank (#17809) net income $729,000; Citizens Bank (#17809) return on assets 0.18%; Citizens Bank (#17809) return on equity 1.67%; Citizens Bank (#17809) net interest income $13.1 million; Citizens Bank (#17809) call report June 30, 2026.
Citizens Bank (#17809) noncurrent real-estate loans: none reported; Citizens Bank (#17809) net charge-offs on real estate 0.04%; Citizens Bank (#17809) residential charge-offs 0.07%.
Citizens Bank (#17809) net interest margin 3.50% against an eight-quarter Citizens Bank (#17809) average of 3.48% (Citizens Bank (#17809) compression -0.02 points); Citizens Bank (#17809) non-residential real estate 6.5% of equity; Citizens Bank (#17809) rate-exposure score 40/100, Citizens Bank (#17809) fixed-rate trap 40/100; Citizens Bank (#17809) risk type credit driven; Citizens Bank (#17809) rate regime rates elevated, Citizens Bank (#17809) snapshot October 19, 2026.
Citizens Bank (#17809) stress score moved from 80.2 on June 22, 2026 to 84.9 on October 19, 2026; Citizens Bank (#17809) ranged 80.2 to 84.9 over 116 snapshots.
Citizens Bank (#17809) alerts: 8 counties; top Citizens Bank (#17809) alert scores: Dallas County, OR 26 (low); Lebanon County, OR 26 (low); Mcminnville County, OR 26 (low); Oregon City County, OR 26 (low); Philomath County, OR 26 (low).