CITIZENS BANK

AMARILLO, TX | Small | Est. Feb. 4, 1904, midnight | FDIC #3140 | RSSD #885252 | FDIC
Latest Report: 2025-12-31

CITIZENS BANK is asn small FDIC-insured commercial bank headquartered in AMARILLO, TX, established in Feb. 4, 1904, midnight. As of 2025-12-31, the bank reported total assets of $303M and total deposits of $269M. Profitability stands at 2.43% ROA and 25.01% ROE, with a net interest margin of 4.56%. The bank's CET1 capital ratio is 15.33%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #3140.

Assets

$303M

Deposits

$269M

Loans

$178M

Equity

$29M

Profitability

Return on Assets (ROA) 2.43%
Return on Equity (ROE) 25.01%
Net Interest Margin (NIM) 4.56%
Yield on Assets 7.09%
Cost of Funds 2.60%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio --
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.79%

Capital & Liquidity

CET1 Ratio 15.33%
Tier 1 Capital 15.33%
Total Capital Ratio 16.05%
Leverage Ratio 9.83%
Loan-to-Deposit 66.35%

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