CITIZENS STATE BANK

WOODVILLE, TX | Small | Est. May 8, 1920, midnight | FDIC #12303 | RSSD #625065 | FED
Latest Report: 2025-12-31

CITIZENS STATE BANK is asn small FDIC-insured commercial bank headquartered in WOODVILLE, TX, established in May 8, 1920, midnight. As of 2025-12-31, the bank reported total assets of $463M and total deposits of $401M. Profitability stands at 0.52% ROA and 4.42% ROE, with a net interest margin of 4.55%. The bank's CET1 capital ratio is 16.12%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.10% and a Texas Ratio of 0.95%. FDIC Certificate #12303.

Assets

$463M

Deposits

$401M

Loans

$351M

Equity

$58M

Profitability

Return on Assets (ROA) 0.52%
Return on Equity (ROE) 4.42%
Net Interest Margin (NIM) 4.55%
Yield on Assets 6.60%
Cost of Funds 2.16%

Asset Quality

NPL Ratio 0.10%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.95%
NPA Ratio 0.13%
ACL / Loans 1.13%

Capital & Liquidity

CET1 Ratio 16.12%
Tier 1 Capital 16.12%
Total Capital Ratio 17.29%
Leverage Ratio 13.49%
Loan-to-Deposit 87.51%

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