CITIZENS STATE BANK
CITIZENS STATE BANK is an FDIC-insured commercial bank headquartered in MILES, TX, established in 1937. As of , 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 4.26%. CET1 capital ratio: 10.31%, well above regulatory minimums. NPL ratio: 1.02% · Texas Ratio: 6.79%. Operates 2 domestic branches.
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 10.31% | 2.59% | 1.02% | 6.79% | 4.26% |
| 2025-09-30 | 9.86% | 2.43% | 0.90% | 6.15% | 4.39% |
| 2025-06-30 | 10.31% | 2.73% | 1.04% | 7.13% | 4.60% |
| 2025-03-31 | 10.37% | 2.68% | 0.61% | 4.25% | 4.55% |
| 2024-12-31 | 10.09% | 2.76% | 0.66% | 4.55% | 4.46% |
| 2024-09-30 | 9.99% | 2.49% | 0.71% | 4.81% | 4.17% |
| 2024-06-30 | 10.13% | 2.80% | 0.74% | 4.99% | 4.19% |
| 2024-03-31 | 9.60% | 2.22% | 0.00% | 0.00% | 3.96% |
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Frequently asked about CITIZENS STATE BANK
What are Citizens State Bank's total assets?
As of the Q4 2025 filing, Citizens State Bank reported total assets of $273.8 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Citizens State Bank headquartered?
Citizens State Bank is headquartered in MILES, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Citizens State Bank founded?
Citizens State Bank was established in 1937, per the FDIC institution directory.
Is Citizens State Bank FDIC-insured?
Yes. Citizens State Bank is an FDIC-insured commercial bank (FDIC Certificate #15519). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens State Bank?
Citizens State Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Citizens State Bank's CET1 capital ratio?
Citizens State Bank reported a Common Equity Tier 1 (CET1) capital ratio of 10.31% in its most recent quarterly filing — above regulatory minimums.
How many branches does Citizens State Bank operate?
Citizens State Bank operates 2 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Citizens State Bank's Texas Ratio?
Citizens State Bank's Texas Ratio is 6.79% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.