Citizens Bank (FDIC #9647): Bank Stress & Real-Estate Credit Exposure

Citizens Bank (FDIC Cert #9647): bank stress 73/100, elevated, STABLE over 7 days; parent CITBA FINANCIAL CORP.

Citizens Bank (#9647) lends in 4 counties across 1 state; Citizens Bank (#9647) reaches 74 ZIP codes: Indiana 4 counties, 74 ZIPs.

Citizens Bank (#9647) largest markets: Marion County, IN (41 branches, 41 ZIPs) (#9647), Hendricks County, IN (57 branches, 19 ZIPs) (#9647), Morgan County, IN (56 branches, 14 ZIPs) (#9647), Johnson County, IN (12 branches, 12 ZIPs) (#9647).

Citizens Bank (#9647) reports $690.6 million in total assets; Citizens Bank (#9647) equity $65.0 million (9.4% of Citizens Bank (#9647) assets); Citizens Bank (#9647) domestic deposits $622.8 million; Citizens Bank (#9647) net income $3.4 million; Citizens Bank (#9647) return on assets 0.98%; Citizens Bank (#9647) return on equity 10.52%; Citizens Bank (#9647) net interest income $11.7 million; Citizens Bank (#9647) call report June 30, 2026.

Citizens Bank (#9647) noncurrent real-estate loans: none reported; Citizens Bank (#9647) net charge-offs on real estate 0.11%.

Citizens Bank (#9647) net interest margin 3.49% against an eight-quarter Citizens Bank (#9647) average of 3.34% (Citizens Bank (#9647) compression -0.15 points); Citizens Bank (#9647) rate-exposure score 40/100, Citizens Bank (#9647) fixed-rate trap 40/100; Citizens Bank (#9647) risk type credit driven; Citizens Bank (#9647) rate regime rates elevated, Citizens Bank (#9647) snapshot October 20, 2026.

Citizens Bank (#9647) stress score moved from 72.7 on June 22, 2026 to 73 on October 20, 2026; Citizens Bank (#9647) ranged 72.7 to 73 over 117 snapshots.

Citizens Bank (#9647) alerts: 4 counties; top Citizens Bank (#9647) alert scores: Greenwood County, IN 24 (low); Indianapolis County, IN 24 (low); Mooresville County, IN 24 (low); Plainfield County, IN 24 (low).