BanksCITIZENS STATE BANK

CITIZENS STATE BANK

SEALY, TXSmallEst. Aug. 12, 1907, midnightFDIC #17214RSSD #523161FDIC
Latest · 2025-12-31

CITIZENS STATE BANK is an 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%. CET1 capital ratio: 9.11%. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 1 domestic branch.

Assets
$474M
Deposits
$424M
Loans
$287M
Equity
$43M

Profitability

Return on Assets (ROA)1.45%
Return on Equity (ROE)15.44%
Net Interest Margin3.39%
Yield on Assets5.44%
Cost of Funds2.11%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.00%
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans1.06%

Capital & Liquidity

CET1 Ratio9.11%
Tier 1 Capital9.11%
Total Capital Ratio9.56%
Leverage Ratio10.62%
Loan-to-Deposit67.68%

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