Citizens Bancshares Corporation (CITZ)

Citizens Bancshares Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Assets

Fiscal Year	FY 2025	FY 2024	FY 2023
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023
Cash & Equivalents	142.98	153.06	139.54
Investment Securities	126.71	148.67	133.5
Mortgage-Backed Securities	147.91	89.24	80.82
Total Investments	274.62	237.91	214.32
Gross Loans	627.9	575.85	544.06
Allowance for Loan Losses	-7.51	-6.31	-5.9
Net Loans	620.38	569.54	538.16
Property, Plant & Equipment	28.71	29.14	28.44
Goodwill	19.2	18.48	18.48
Other Intangible Assets	4.9	4.59	5.3
Loans Held for Sale	0.2	-	-
Accrued Interest Receivable	3.8	3.7	3.28
Long-Term Deferred Tax Assets	1.75	3.1	3.16
Other Real Estate Owned & Foreclosed	0.93	0.97	1.09
Other Long-Term Assets	12.02	12.52	11.75
Total Assets	1,109	1,033	963.52

Liabilities

Fiscal Year	FY 2025	FY 2024	FY 2023
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023
Interest Bearing Deposits	698.22	667.58	605.08
Institutional Deposits	19.81	16.92	16.42
Non-Interest Bearing Deposits	257.18	232.19	231.63
Total Deposits	975.21	916.69	853.13
Short-Term Borrowings	3.33	2.43	3.34
Current Portion of Leases	0.12	-	-
Accrued Interest Payable	0.88	0.87	0.68
Long-Term Debt	24.63	24.57	24.51
Long-Term Leases	0.27	0.5	0.32
Other Long-Term Liabilities	3.92	3.06	4.32
Total Liabilities	1,008	948.11	886.3

Shareholders' Equity

Fiscal Year	FY 2025	FY 2024	FY 2023
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023
Common Stock	2.39	2.39	2.39
Additional Paid-In Capital	8	8	8
Retained Earnings	105.7	95.54	86.1
Treasury Stock	-8.75	-8.75	-8.1
Comprehensive Income & Other	-6.22	-12.26	-11.17
Shareholders' Equity	101.13	84.92	77.23
Total Liabilities & Equity	1,109	1,033	963.52

Additional Metrics

Fiscal Year	FY 2025	FY 2024	FY 2023
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023
Total Debt	28.35	27.5	28.17
Net Cash (Debt)	119.14	134.07	120.62
Net Cash Growth	-11.14%	11.15%	-
Net Cash Per Share	58.91	65.80	59.11
Filing Date Shares Outstanding	1.95	1.95	1.97
Total Common Shares Outstanding	1.95	1.95	1.97
Book Value Per Share	51.83	43.52	39.19
Tangible Book Value	77.03	61.85	53.44
Tangible Book Value Per Share	39.48	31.69	27.12

Data Source: S&P Global Market Intelligence Last updated: Dec 31, 2025

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every year for this company.

Update frequency:

Yearly

Last checked:

Aug 21, 2026

Data Sources Report a data error