Checked
Citizens Bank
Corvallis, OR · State-chartered bank (not a Fed member) · Part of Citizens Bcorp
- Total assets
- $823.4M
- Q2 2026
- Deposits
- $702.5M
- Net income
- $729K
- first half of 2026
- Return on assets
- 0.18%
- Annualized
Bank details
As reported to the FDIC
- FDIC certificate
- 17809
- Main office
- Corvallis, OR
- Holding company
- Citizens Bcorp
- Charter
- State-chartered bank (not a Fed member)
- Primary federal regulator
- Federal Deposit Insurance Corporation (FDIC)
- Established
- 10/05/1957
- FDIC insured since
- 10/05/1957
- U.S. offices
- 14
- Employees (full-time equivalent)
- 177
- Specialty
- Agricultural Specialization
- Website
- www.citizensEbank.com
Quarterly financials
From the bank's Call Reports. Income figures are year to date; ratios are annualized.
| Quarter | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $823.4M | $810.4M | $831.7M | $846.2M | $832.8M | $798.5M | $807.3M | $831.7M |
| Deposits | $702.5M | $686.2M | $705.7M | $716M | $724.5M | $692.5M | $707.1M | $718.7M |
| Net loans and leases | $383.1M | $361.6M | $358.2M | $356.4M | $364.5M | $367M | $370.1M | $372.4M |
| Securities | $307.7M | $319M | $335.6M | $321.5M | $308.8M | $320.9M | $326.1M | $352M |
| Equity capital | $87.15M | $86.74M | $87.52M | $86.29M | $80.16M | $79.18M | $73.34M | $82.81M |
| Net income (year to date) | $729K | $619K | $2.53M | $1.52M | $1.11M | $530K | $3.42M | $2.6M |
| Return on assets | 0.18% | 0.30% | 0.31% | 0.25% | 0.27% | 0.26% | 0.37% | 0.36% |
| Return on equity | 1.67% | 2.84% | 3.11% | 2.54% | 2.86% | 2.78% | 4.63% | 4.70% |
| Net interest margin | 3.50% | 3.50% | 3.59% | 3.56% | 3.59% | 3.65% | 3.26% | 3.15% |
| Efficiency ratio | 89.8% | 89.3% | 89.7% | 90.9% | 90.6% | 91.0% | 84.6% | 83.9% |
| Noncurrent loans | 0.04% | 0.05% | 0.26% | 0.27% | 0.56% | 0.07% | 0.06% | 0.08% |
| Net charge-off rate | 0.00% | 0.01% | 0.00% | 0.02% | 0.02% | 0.00% | 0.06% | 0.04% |
| Leverage (core capital) ratio | 13.88% | 13.81% | 13.17% | 13.41% | 13.79% | 13.88% | 13.23% | 12.22% |
| Total risk-based capital ratio | 23.43% | 24.37% | 23.87% | 24.01% | 23.94% | 23.45% | 23.10% | 23.14% |
Assets fell 1.1% from Q2 2025.
Loan mix
Share of gross loans, Q2 2026
- Real estate loans$302.6M79.0%
- Commercial and industrial loans$35.84M9.4%
- Consumer loans$1.45M0.4%
Find bank branches in Oregon · Employees: 177
Frequently asked questions
- What is Citizens Bank's FDIC certificate number?
- Citizens Bank's FDIC certificate number is 17809.
- How big is Citizens Bank?
- Citizens Bank reported total assets of $823.4M and deposits of $702.5M as of Q2 2026.
- Is Citizens Bank FDIC insured?
- Yes. Citizens Bank has been insured by the FDIC since 10/05/1957. Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
Source: Federal Deposit Insurance Corporation, BankFind Suite (Call Report data) · Last updated 06/30/2026