BanksCITIZENS STATE BANK

CITIZENS STATE BANK

MILES, TXSmallEst. Aug. 2, 1937, midnightFDIC #15519RSSD #296755FDIC
Latest · 2025-12-31

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.

Assets
$274M
Deposits
$245M
Loans
$206M
Equity
$28M

Profitability

Return on Assets (ROA)2.59%
Return on Equity (ROE)25.68%
Net Interest Margin4.50%
Yield on Assets6.99%
Cost of Funds2.55%

Asset Quality

NPL Ratio1.00%
Net Charge-Off Ratio0.03%
Texas Ratio6.67%
NPA Ratio0.75%
ACL / Loans1.31%

Capital & Liquidity

CET1 Ratio10.31%
Tier 1 Capital10.31%
Total Capital Ratio10.82%
Leverage Ratio10.10%
Loan-to-Deposit84.04%

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