CITIZENS STATE BANK

SOMERVILLE, TX | Large | Est. June 1, 1925, midnight | FDIC #16753 | RSSD #261360 | FDIC
Latest Report: 2025-12-31

CITIZENS STATE BANK is aln large FDIC-insured commercial bank headquartered in SOMERVILLE, TX, established in June 1, 1925, midnight. As of 2025-12-31, the bank reported total assets of $1.2B and total deposits of $1.0B. Profitability stands at 1.94% ROA and 15.77% ROE, with a net interest margin of 4.68%. The bank's CET1 capital ratio is 11.71%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.67% and a Texas Ratio of 8.37%. FDIC Certificate #16753.

Assets

$1.2B

Deposits

$1.0B

Loans

$750M

Equity

$146M

Profitability

Return on Assets (ROA) 1.94%
Return on Equity (ROE) 15.77%
Net Interest Margin (NIM) 4.68%
Yield on Assets 6.28%
Cost of Funds 2.38%

Asset Quality

NPL Ratio 1.67%
Net Charge-Off Ratio 0.10%
Texas Ratio 8.37%
NPA Ratio 1.07%
ACL / Loans 1.01%

Capital & Liquidity

CET1 Ratio 11.71%
Tier 1 Capital 11.71%
Total Capital Ratio 12.29%
Leverage Ratio 12.47%
Loan-to-Deposit 71.57%

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