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Overview / Commentary
1001 West Center Street
Rogersville, MO 65742

Citizens Bank of Rogersville is headquartered in Rogersville and is the 245th largest bank in the state of Missouri. It is also the 5,597th largest bank in the nation. It was established in 1908 and as of December of 2013, it had grown to 22 employees at 2 locations. Citizens Bank of Rogersville has a B health rating.

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Service ! Lies ! Very Poor Banking Practice !

Rude ! Weird Banking Pratice !Poor Service !


Data for Q4 2013

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Citizens Bank of Rogersville has a relatively low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Citizens Bank of Rogersville had $1.13 million in non-current loans and owned real-estate with $6.66 million in equity and loan loss allowances on hand to cover it. This gives Citizens Bank of Rogersville a Texas Ratio of 16.91% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Citizens Bank of Rogersville decreased slightly from 21.95% as of December 31, 2012 to 16.91% as of December 31, 2013, resulting in a positive change of 22.96%.This indicates that the balance sheet and financial strength for Citizens Bank of Rogersville has improved slightly in recent periods.

Deposit Growth


In the past year, Citizens Bank of Rogersville has increased its total deposits by $1.63 million, resulting in 2.84% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Citizens Bank of Rogersville has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Citizens Bank of Rogersville has $65.86 million in assets with $6.66 million in equity, resulting in a capitalization level of 10.12%, which is above average.

Institution Statistics

FDIC Certificate #8572
Year Established1908
Primary RegulatorFDIC
Assets and Liabilities
Assets$65.86 million
Loans$33.73 million
Deposits$59.13 million
Equity Capital$6.65 million
Loan Loss Allowance$10,000
Unbacked Noncurrent Loans$711,000
Real Estate Owned$416,000
Historic Data - December 2012
Assets$62.65 million
Equity Capital$4.93 million
Loan Loss Allowance$478,000
Unbacked Noncurrent Loans$711,000
Real Estate Owned$416,000
Profit Margin - Quarterly
Net Interest Margin1.69%
Return on Assets0.25%
Return on Equity2.95%
Interest Income$1.09 million
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Citizens Bank of Rogersville Savings Account Rates

0.50%--IRA Savings Account

Citizens Bank of Rogersville CD Rates

0.60%--24 Month CD
0.60%--36 Month CD
0.40%--12 Month CD
0.25%--6 Month CD
0.15%--3 Month CD

Citizens Bank of Rogersville Locations
Citizens Bank Of Rogersville1001 West Center StreetRogersville, MO 65742
East Highway 60 Facility4225 East Highway 60Rogersville, MO 65742