BanksCITIZENS STATE BANK

CITIZENS STATE BANK

ANTON, TXMicroEst. June 7, 1947, midnightFDIC #16581RSSD #489155FDIC
Latest · 2025-12-31

CITIZENS STATE BANK is an 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%. CET1 capital ratio: 16.52%, well above regulatory minimums. NPL ratio: 0.03% · Texas Ratio: 0.12%. Operates 2 domestic branches.

Assets
$80M
Deposits
$67M
Loans
$61M
Equity
$13M

Profitability

Return on Assets (ROA)0.74%
Return on Equity (ROE)4.42%
Net Interest Margin5.05%
Yield on Assets7.10%
Cost of Funds2.29%

Asset Quality

NPL Ratio0.03%
Net Charge-Off Ratio0.00%
Texas Ratio0.12%
NPA Ratio0.02%
ACL / Loans1.03%

Capital & Liquidity

CET1 Ratio16.52%
Tier 1 Capital16.52%
Total Capital Ratio17.35%
Leverage Ratio16.98%
Loan-to-Deposit91.73%

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