Bank · FDIC insured
Citizens Bank
A $357.4M bank headquartered in New Haven, MO, with 4 branches in Missouri. Best rates: CDs 4.20% and savings 0.10% APY.
Citizens Bank Carrot Score
69
Carrot Score
Higher than 23% of U.S. banks and credit unions
#59 of 79 in St. Louis, MO-IL metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Citizens Bank
Chartered in 1934, Citizens Bank was formed through the consolidation of Bank of New Haven and Farmer’s Savings Bank, officially changing its name in 1995.
Operating as a community-owned, independent bank, Citizens Bank serves Franklin County with full-service locations in New Haven, Gerald, Pacific, and Washington.
- Headquarters
- 100 Circle Dr, New Haven, MO 63068
- FDIC certificate
- 14488 ↗
Branches
4 branches in Missouri
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Missouri
4 branches
- Citizens BankMain office100 Circle Dr, New Haven, MO 63068Directions
- Gerald Branch725 W Springfield Ave, Gerald, MO 63037Directions
- West Osage Branch2245 W Osage St, Pacific, MO 63069Directions
- Washington Branch1451 High St, Washington, MO 63090Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 13.10% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 2.95% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.33% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $103 | $81 | — |
- CapitalLeverage ratio13.10%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent2.95%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.33%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$103Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Citizens Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.