CITIZENS STATE BANK

ANTON, TX | Micro | Est. June 7, 1947, midnight | FDIC #16581 | RSSD #489155 | FDIC
Latest Report: 2025-12-31

CITIZENS STATE BANK is amn micro FDIC-insured commercial bank headquartered in ANTON, TX, established in June 7, 1947, midnight. As of 2025-12-31, the bank reported total assets of $80M and total deposits of $67M. Profitability stands at 0.74% ROA and 4.42% ROE, with a net interest margin of 5.05%. The bank's CET1 capital ratio is 16.52%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.03% and a Texas Ratio of 0.12%. FDIC Certificate #16581.

Assets

$80M

Deposits

$67M

Loans

$61M

Equity

$13M

Profitability

Return on Assets (ROA) 0.74%
Return on Equity (ROE) 4.42%
Net Interest Margin (NIM) 5.05%
Yield on Assets 7.10%
Cost of Funds 3.17%

Asset Quality

NPL Ratio 0.03%
Net Charge-Off Ratio --
Texas Ratio 0.12%
NPA Ratio 0.02%
ACL / Loans 1.03%

Capital & Liquidity

CET1 Ratio 16.52%
Tier 1 Capital 16.52%
Total Capital Ratio 17.35%
Leverage Ratio 16.98%
Loan-to-Deposit 91.73%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required