CITIZENS STATE BANK

MILES, TX | Small | Est. Aug. 2, 1937, midnight | FDIC #15519 | RSSD #296755 | FDIC
Latest Report: 2025-12-31

CITIZENS STATE BANK is asn small FDIC-insured commercial bank headquartered in MILES, TX, established in Aug. 2, 1937, midnight. As of 2025-12-31, the bank reported total assets of $274M and total deposits of $245M. Profitability stands at 2.59% ROA and 25.68% ROE, with a net interest margin of 4.50%. The bank's CET1 capital ratio is 10.31%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.00% and a Texas Ratio of 6.67%. FDIC Certificate #15519.

Assets

$274M

Deposits

$245M

Loans

$206M

Equity

$28M

Profitability

Return on Assets (ROA) 2.59%
Return on Equity (ROE) 25.68%
Net Interest Margin (NIM) 4.50%
Yield on Assets 6.99%
Cost of Funds 2.55%

Asset Quality

NPL Ratio 1.00%
Net Charge-Off Ratio 0.03%
Texas Ratio 6.67%
NPA Ratio 0.75%
ACL / Loans 1.31%

Capital & Liquidity

CET1 Ratio 10.31%
Tier 1 Capital 10.31%
Total Capital Ratio 10.82%
Leverage Ratio 10.10%
Loan-to-Deposit 84.04%

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