Citizens 1st Bank

Citizens 1st Bank runs leaner than most banks of its size. The Tyler, Texas bank had $811 million in assets at June 30, 2026, up 7.2% from a year earlier. It spends about 33 cents to bring in each dollar of revenue, about half the median of 61 cents for the 2,660 banks with $100 million to $1 billion in assets. It also holds common equity equal to 38.50% of its risk-weighted assets, 2.5 times the median of 15.12% for banks its size.

Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.53% of loans from 1.70%. Earnings jumped: net income for the quarter was $3.7 million, 30% above the same quarter a year earlier. Its margin is thin by comparison: it keeps 3.05 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).

As of June 30, 2026, Citizens 1st Bank reported a CET1 capital ratio of 38.50%, a return on assets of 1.78%, a nonperforming-loan ratio of 0.53% and a Texas ratio of 1.78%. The figures come from its call report filed with the FFIEC.