The Citizens Bank
Batesville, Arkansas, Independence County
$1.6B in total assets, the 712th largest of 4,309 US banks and 15th of 78 headquartered in Arkansas.
- FDIC certificate
- 17211
- Established
- 1953
- Owned by
- Citizens Bancshares Batesville
- Primary regulator
- FED
- Website
- www.thecitizensbank.net
At a glance
Compared with 19 banks headquartered in Arkansas with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.6B | 47% | $1.6B | |
| Loans | $1.3B | 47% | $1.4B | |
| Deposits | $1.5B | 53% | $1.4B | |
| Return on assets | 1.41% | 68% | 1.23% | |
| Net interest margin | 3.74% | 21% | 4.01% | |
| Efficiency ratio | 48.2% | 10% | 57.5% | |
| Equity to assets | 8.99% | 21% | 11.19% | |
| Loans to deposits | 86% | 42% | 89% |
Growth
Total assets grew 6.3% a year over the last 5 years and 8.0% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Dec 2015 | Parkway Bank Rogers, AR | $134M |
Where they operate
16 branches in 10 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Independence County, AR | $704M | 38.3% | 2 of 8 |
| Pulaski County, AR | $286M | 1.0% | 14 of 33 |
| Washington County, AR | $90M | 1.0% | 15 of 34 |
| Garland County, AR | $76M | 2.5% | 12 of 14 |
| Clark County, AR | $70M | 7.5% | 3 of 8 |
| Benton County, AR | $66M | 0.6% | 20 of 34 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 1 branch since 2016 (17 to 16, −5.9%). 6 opened, 0 acquired, 7 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 17 | |||
| 2016 | Opened Arkadelphia | 1 | 0 | +1 | 18 |
| 2018 | Opened Fayetteville and Little Rock | 2 | 0 | +2 | 20 |
| 2019 | Opened Hot Springs | 1 | 0 | +1 | 21 |
| 2020 | Opened Little RockClosed Monticello | 1 | 1 | 0 | 21 |
| 2021 | Closed Batesville and Crossett | 0 | 2 | −2 | 19 |
| 2022 | Closed Cave City and Hot Springs | 0 | 2 | −2 | 17 |
| 2023 | Opened Hot SpringsClosed Hot Springs | 1 | 1 | 0 | 17 |
| 2024 | Closed Batesville | 0 | 1 | −1 | 16 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 34% | 29% | |
| 1-4 family residential | 19% | 23% | |
| Farmland | 16% | 10% | |
| Business (C&I) | 15% | 14% | |
| Construction and land | 9% | 13% | |
| Multifamily | 5% | 5% | |
| Agricultural | 2% | 3% | |
| Consumer | 1% | 3% | |
| Other | 1% | 1% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 57% | 47% | |
| Time deposits | 29% | 35% | |
| Noninterest-bearing | 14% | 18% |
Brokered deposits are 9.8% of deposits (peers 6.8%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.37% | 0.40% |
| Net charge-offs, annualized | 0.08% | 0.10% |
| Reserves to loans | 1.47% | 1.27% |
| Leverage ratio | 8.87% | 10.74% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Arkansas
Largest competitors in Independence County, AR
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/citizens-bank-batesville-ar