CITIZENS STATE BANK

Latest Report: 2025-12-31

CITIZENS STATE BANK is asn small FDIC-insured commercial bank headquartered in SEALY, TX, established in Aug. 12, 1907, midnight. As of 2025-12-31, the bank reported total assets of $474M and total deposits of $424M. Profitability stands at 1.45% ROA and 15.44% ROE, with a net interest margin of 3.39%. The bank's CET1 capital ratio is 9.11%. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #17214.

Assets

$474M

Deposits

$424M

Loans

$287M

Equity

$43M

Profitability

Return on Assets (ROA) 1.45%

Return on Equity (ROE) 15.44%

Net Interest Margin (NIM) 3.39%

Yield on Assets 5.44%

Cost of Funds 2.11%

Asset Quality

NPL Ratio 0.00%

Net Charge-Off Ratio 0.00%

Texas Ratio 0.00%

NPA Ratio 0.00%

ACL / Loans 1.06%

Capital & Liquidity

CET1 Ratio 9.11%

Tier 1 Capital 9.11%

Total Capital Ratio 9.56%

Leverage Ratio 10.62%

Loan-to-Deposit 67.68%

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