CITIZENS 1ST BANK

TYLER, TX | Medium | Est. April 24, 1920, midnight | FDIC #1715 | RSSD #869663 | FED
Latest Report: 2025-12-31

CITIZENS 1ST BANK is amn medium FDIC-insured commercial bank headquartered in TYLER, TX, established in April 24, 1920, midnight. As of 2025-12-31, the bank reported total assets of $820M and total deposits of $622M. Profitability stands at 0.99% ROA and 5.54% ROE, with a net interest margin of 2.95%. The bank's CET1 capital ratio is 36.89%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.02% and a Texas Ratio of 3.42%. FDIC Certificate #1715.

Assets

$820M

Deposits

$622M

Loans

$480M

Equity

$140M

Profitability

Return on Assets (ROA) 0.99%
Return on Equity (ROE) 5.54%
Net Interest Margin (NIM) 2.95%
Yield on Assets 5.29%
Cost of Funds 2.68%

Asset Quality

NPL Ratio 1.02%
Net Charge-Off Ratio 0.00%
Texas Ratio 3.42%
NPA Ratio 0.60%
ACL / Loans 0.64%

Capital & Liquidity

CET1 Ratio 36.89%
Tier 1 Capital 36.89%
Total Capital Ratio 37.58%
Leverage Ratio 20.28%
Loan-to-Deposit 77.12%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required