CITIZENS BANK OF WINFIELD
WINFIELD, ALABAMA · FDIC Cert #52
Capital & Safety Analysis
According to FDIC financial data, CITIZENS BANK OF WINFIELD holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject CITIZENS BANK OF WINFIELD to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
CITIZENS BANK OF WINFIELD shows average financial health. While not alarming, its Health Score of 56/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
CITIZENS BANK OF WINFIELD has a Bank Health Score of C (56/100). It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
CITIZENS BANK OF WINFIELD holds $317M in total assets and $228M in total deposits. It is located in WINFIELD, ALABAMA (FDIC Certificate #52).
CITIZENS BANK OF WINFIELD has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." The nonperforming loan ratio is 0.06%, and the return on assets is -0.26%.
Yes. CITIZENS BANK OF WINFIELD is FDIC-insured (Certificate #52). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.