The Citizens Bank of Fayette

100 Temple Avenue South
Fayette, AL 35555

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 5600
Date Established 1913
Assets $0.19 billion
Loans $0.04 billion
Deposits $0.15 billion
Capital $0.04 billion

The Citizens Bank of Fayette is an FDIC insured institution located in Fayette, AL. It was founded in 1913 and has approximately $0.19 billion in assets. Customers can open an account at one of its 2 branches.

For a more detailed analysis of The Citizens Bank of Fayette's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 24, 2019

Your Current Location: Washington, WA 98109

There are currently no rates available for The Citizens Bank Of Fayette, but see these great savings and CD rates:

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Loan Rates - September 24, 2019

Your Current Location: Washington, WA 98109

There are currently no loan rates available for The Citizens Bank of Fayette

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Washington 30 Year Fixed Mortgage Rates 2019

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NMLS ID: 2890
License#: 520-CL-25944
3.526% 3.500% 0.38 $805 $1,123 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

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Branches

The Citizens Bank of Fayette branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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The Citizens Bank of Fayette Locations


Financial Details

The Citizens Bank of Fayette Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of The Citizens Bank of Fayette. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
The Citizens Bank of Fayette U.S. Bank Average
4.37% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2019, The Citizens Bank of Fayette had $1,510,000 in non-current loans and $168,000 in owned real estate. To cover these potential losses it had $37,899,000 in equity and $505,000 in loans loss reserves. That gives it a Texas Ratio of 4.37%.

Return on Equity
The Citizens Bank of Fayette U.S. Bank Average
4.62% 9.47%

The Citizens Bank of Fayette has a Return on Equity of 4.62% versus the BestCashCow average of 9.47%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
The Citizens Bank of Fayette U.S. Bank Average
20.23% 12.49%

The Citizens Bank of Fayette has a Capitalization of 20.23% versus the BestCashCow average of 12.49. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

The Citizens Bank of Fayette Balance Sheet Analysis

As of March 31, 2019, The Citizens Bank of Fayette had assets of $187,314,000, loans of $40,903,000, and deposits of $146,185,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2019
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.00 billion
Total securities $0.13 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.04 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.15 billion
LIABILITIES
Total deposits $0.15 billion
      Interest-bearing deposits $0.12 billion
      Deposits held in domestic offices $0.15 billion
      % insured (estimated) 82.80%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.15 billion
      Shareholders’ Equity $0.04 billion

Summary Income Statement

March 31, 2019
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in The Citizens Bank of Fayette’s loan portfolio are Commercial and Industrial Loans, Commercial Real Estate, and 1-4 Family Residential Loans.

Compared to other banks in Alabama, The Citizens Bank of Fayette has a significantly higher percent of Consumer Auto Loans, Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 15.56
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 6.53
Small Business Loans 0.00
Construction and Development Loans 13.17
Commercial Real Estate 17.21
Commercial and Industrial Loans 29.36
Farm Loans 4.33

Frequently Asked Questions About The Citizens Bank Of Fayette

Branches and Savings

Is The Citizens Bank Of Fayette FDIC insured?

Yes. It is covered under FDIC Certificate #5600.

Why does The Citizens Bank Of Fayette pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are The Citizens Bank Of Fayette CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is The Citizens Bank Of Fayette a commercial bank?

Yes

Where are The Citizens Bank Of Fayette locations?

See branch locations nearby.

Is The Citizens Bank Of Fayette open on Saturdays?

Is The Citizens Bank Of Fayette open on Sundays?

What time does The Citizens Bank Of Fayette open?

What time does The Citizens Bank Of Fayette close?

Are The Citizens Bank Of Fayette ATMs Open 24/7?

Do The Citizens Bank Of Fayette ATMs accept cash deposits?

Can The Citizens Bank Of Fayette customers use other ATMs?

Do The Citizens Bank Of Fayette branches have notaries?

Will The Citizens Bank Of Fayette notarize my document?

What address for The Citizens Bank Of Fayette should I put for incoming ACH transfers?

Will the The Citizens Bank Of Fayette branch print checks?

Do The Citizens Bank Of Fayette checks expire?

Does The Citizens Bank Of Fayette require US citizenship to open account?

Can The Citizens Bank Of Fayette close my account?

Does The Citizens Bank Of Fayette Report to credit bureaus?

Does The Citizens Bank Of Fayette Use Equifax?

What is The Citizens Bank Of Fayette's ACH Routing Number?

What is The Citizens Bank Of Fayette's SWIFT code?

Products

Does The Citizens Bank Of Fayette offer mortgages?

Compare mortgage rates here.

Does The Citizens Bank Of Fayette offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does The Citizens Bank Of Fayette offer personal loans?

Compare personal loan rates here.

Does The Citizens Bank Of Fayette offer student loans?

Will The Citizens Bank Of Fayette cash a check?

Will The Citizens Bank Of Fayette redeem a savings bond?

Does The Citizens Bank Of Fayette cash savings bonds?

Will The Citizens Bank Of Fayette cash money orders?

Can The Citizens Bank Of Fayette issue a money order?

Does The Citizens Bank Of Fayette do currency exchange?

Background on The Bank

Who owns The Citizens Bank Of Fayette?

How long has The Citizens Bank Of Fayette been around?

Can The Citizens Bank Of Fayette transfer to other banks?

Does The Citizens Bank Of Fayette have quick pay?

Does The Citizens Bank Of Fayette accept rolled coins?

Will The Citizens Bank Of Fayette accept loose change?

Where is The Citizens Bank Of Fayette headquarters?

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