CITIZENS BANK

KILGORE, TX | Medium | Est. July 24, 1949, midnight | FDIC #16817 | RSSD #744854 | FDIC
Latest Report: 2025-12-31

CITIZENS BANK is amn medium FDIC-insured commercial bank headquartered in KILGORE, TX, established in July 24, 1949, midnight. As of 2025-12-31, the bank reported total assets of $512M and total deposits of $434M. Profitability stands at 1.14% ROA and 7.81% ROE, with a net interest margin of 4.72%. The bank's CET1 capital ratio is 21.03%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.04% and a Texas Ratio of 0.14%. FDIC Certificate #16817.

Assets

$512M

Deposits

$434M

Loans

$321M

Equity

$75M

Profitability

Return on Assets (ROA) 1.14%
Return on Equity (ROE) 7.81%
Net Interest Margin (NIM) 4.72%
Yield on Assets 6.16%
Cost of Funds 1.56%

Asset Quality

NPL Ratio 0.04%
Net Charge-Off Ratio -1.18%
Texas Ratio 0.14%
NPA Ratio 0.02%
ACL / Loans 2.49%

Capital & Liquidity

CET1 Ratio 21.03%
Tier 1 Capital 21.03%
Total Capital Ratio 22.29%
Leverage Ratio 14.81%
Loan-to-Deposit 73.92%

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