BanksCITIZENS STATE BANK

CITIZENS STATE BANK

WOODVILLE, TXSmallEst. May 8, 1920, midnightFDIC #12303RSSD #625065FED
Latest · 2025-12-31

CITIZENS STATE BANK is an 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 4.35%. CET1 capital ratio: 16.12%, well above regulatory minimums. NPL ratio: 0.10% · Texas Ratio: 0.95%. Operates 6 domestic branches.

Assets
$463M
Deposits
$401M
Loans
$351M
Equity
$58M

Profitability

Return on Assets (ROA)0.52%
Return on Equity (ROE)4.42%
Net Interest Margin4.35%
Yield on Assets6.30%
Cost of Funds2.16%

Asset Quality

NPL Ratio0.10%
Net Charge-Off Ratio0.00%
Texas Ratio0.95%
NPA Ratio0.13%
ACL / Loans1.13%

Capital & Liquidity

CET1 Ratio16.12%
Tier 1 Capital16.12%
Total Capital Ratio17.29%
Leverage Ratio13.49%
Loan-to-Deposit87.51%

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