CITIZENS STATE BANK

CORRIGAN, TX | Small | Est. Jan. 1, 1919, midnight | FDIC #11905 | RSSD #899651 | FDIC
Latest Report: 2025-12-31

CITIZENS STATE BANK is asn small FDIC-insured commercial bank headquartered in CORRIGAN, TX, established in Jan. 1, 1919, midnight. As of 2025-12-31, the bank reported total assets of $187M and total deposits of $165M. Profitability stands at 1.97% ROA and 18.44% ROE, with a net interest margin of 4.41%. The bank's CET1 capital ratio is 10.71%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.26% and a Texas Ratio of 1.50%. FDIC Certificate #11905.

Assets

$187M

Deposits

$165M

Loans

$123M

Equity

$20M

Profitability

Return on Assets (ROA) 1.97%
Return on Equity (ROE) 18.44%
Net Interest Margin (NIM) 4.41%
Yield on Assets 6.22%
Cost of Funds 1.87%

Asset Quality

NPL Ratio 0.26%
Net Charge-Off Ratio 0.50%
Texas Ratio 1.50%
NPA Ratio 0.17%
ACL / Loans 1.18%

Capital & Liquidity

CET1 Ratio 10.71%
Tier 1 Capital 10.71%
Total Capital Ratio 11.25%
Leverage Ratio 11.48%
Loan-to-Deposit 74.27%

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