Bank · FDIC insured
The Citizens Bank
A $233.3M bank headquartered in Enterprise, AL, with 2 branches in Alabama. Best rates: CDs 4.20% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: no rate at the amounts we compare. Savings: rates are not published online. Auto loans: no rates found on its website.
- CDs—4.20%CD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About The Citizens Bank
Founded in February 1946 by Walter Hubert Beall and local leaders, The Citizens Bank was organized as the second bank servicing Enterprise, Alabama.
The bank relocated within Enterprise in 1960 and 1989, and adopted computerization in 1969.
It later expanded by establishing full-service and loan offices in Fairhope and Andalusia, Alabama.
- Headquarters
- 301 S Edwards St, Enterprise, AL 36330
- FDIC certificate
- 16369 ↗
Branches
2 branches in Alabama
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Alabama
2 branches
Enterprise area · 1
- The Citizens BankMain office301 S Edwards St, Enterprise, AL 36330Directions
Daphne area · 1
- Fairhope Branch104 S Section St, Fairhope, AL 36532Directions
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 | 10.56% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.42% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.12% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $78 | $81 | — |
- CapitalLeverage ratio10.56%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.42%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.12%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$78Peers’ 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 The Citizens Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.