Citizens Bank (FDIC #3140): Bank Stress & Real-Estate Credit Exposure

Citizens Bank (FDIC Cert #3140): bank stress 46/100, moderate, STABLE over 7 days; parent TRIPLE J FINANCIAL INC.

Citizens Bank (#3140) lends in 4 counties across 2 states; Citizens Bank (#3140) reaches 33 ZIP codes: Texas 3 counties, 22 ZIPs; New Mexico 1 county, 11 ZIPs.

Citizens Bank (#3140) largest markets: Randall County, TX (15 branches, 15 ZIPs) (#3140), Quay County, NM (11 branches, 11 ZIPs) (#3140), Armstrong County, TX (6 branches, 6 ZIPs) (#3140), Swisher County, TX (5 branches, 5 ZIPs) (#3140).

Citizens Bank (#3140) reports $309.8 million in total assets; Citizens Bank (#3140) equity $30.5 million (9.8% of Citizens Bank (#3140) assets); Citizens Bank (#3140) domestic deposits $273.4 million; Citizens Bank (#3140) net income $3.5 million; Citizens Bank (#3140) return on assets 2.27%; Citizens Bank (#3140) return on equity 23.21%; Citizens Bank (#3140) net interest income $6.0 million; Citizens Bank (#3140) call report June 30, 2026.

Citizens Bank (#3140) noncurrent real-estate loans: none reported; Citizens Bank (#3140) net charge-offs on real estate 0.00%.

Citizens Bank (#3140) net interest margin 4.14% against an eight-quarter Citizens Bank (#3140) average of 4.67% (Citizens Bank (#3140) compression 0.53 points); Citizens Bank (#3140) rate-exposure score 40/100, Citizens Bank (#3140) fixed-rate trap 40/100; Citizens Bank (#3140) risk type credit driven; Citizens Bank (#3140) rate regime rates elevated, Citizens Bank (#3140) snapshot October 19, 2026.

Citizens Bank (#3140) stress score moved from 46.7 on June 22, 2026 to 45.7 on October 19, 2026; Citizens Bank (#3140) ranged 45.7 to 46.7 over 116 snapshots.

Citizens Bank (#3140) alerts: 4 counties; top Citizens Bank (#3140) alert scores: Amarillo County, TX 16 (low); Claude County, TX 16 (low); Tucumcari County, TX 16 (low); Tulia County, TX 16 (low).