Citizens Bank (FDIC #22601): Bank Stress & Real-Estate Credit Exposure

Citizens Bank (FDIC Cert #22601): bank stress 50/100, moderate, STABLE over 7 days; parent AMSTERDAM BANCSHARES INC.

Citizens Bank (#22601) lends in 4 counties across 2 states; Citizens Bank (#22601) reaches 50 ZIP codes: Missouri 3 counties, 37 ZIPs; Kansas 1 county, 13 ZIPs.

Citizens Bank (#22601) largest markets: Cass County, MO (36 branches, 18 ZIPs) (#22601), Bourbon County, KS (13 branches, 13 ZIPs) (#22601), Bates County, MO (65 branches, 13 ZIPs) (#22601), Barton County, MO (16 branches, 8 ZIPs) (#22601).

Citizens Bank (#22601) reports $188.1 million in total assets; Citizens Bank (#22601) equity $14.8 million (7.9% of Citizens Bank (#22601) assets); Citizens Bank (#22601) domestic deposits $171.1 million; Citizens Bank (#22601) net income $2.3 million; Citizens Bank (#22601) return on assets 2.43%; Citizens Bank (#22601) return on equity 30.54%; Citizens Bank (#22601) net interest income $5.7 million; Citizens Bank (#22601) call report June 30, 2026.

Citizens Bank (#22601) noncurrent real-estate loans: none reported; Citizens Bank (#22601) net charge-offs on real estate 0.17%; Citizens Bank (#22601) residential charge-offs 0.15%.

Citizens Bank (#22601) net interest margin 6.53% against an eight-quarter Citizens Bank (#22601) average of 6.59% (Citizens Bank (#22601) compression 0.06 points); Citizens Bank (#22601) non-residential real estate 15.5% of equity; Citizens Bank (#22601) rate-exposure score 40/100, Citizens Bank (#22601) fixed-rate trap 40/100; Citizens Bank (#22601) risk type credit driven; Citizens Bank (#22601) rate regime rates elevated, Citizens Bank (#22601) snapshot October 20, 2026.

Citizens Bank (#22601) stress score moved from 50.9 on June 22, 2026 to 49.6 on October 20, 2026; Citizens Bank (#22601) ranged 49.6 to 50.9 over 117 snapshots.

Citizens Bank (#22601) alerts: 4 counties; top Citizens Bank (#22601) alert scores: Drexel County, MO 19 (low); Fort Scott County, MO 19 (low); Mindenmines County, MO 19 (low); Rockville County, MO 19 (low).