CITIZENS STATE BANK is an 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%. CET1 capital ratio: 10.31%, well above regulatory minimums. NPL ratio: 1.00% · Texas Ratio: 6.67%. Operates 2 domestic branches.
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