Citizens 1st Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 18.79 percentage points higher than in Q1 2026, at 102.02%. Citizens 1st Bank ranks 102nd of 345 Texas banks on return on assets, in the upper half at 1.78% (Q2 2026). Citizens 1st Bank reported 1.78% on return on assets for Q2 2026, 0.53 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 38.50% |
| Tier 1 risk-based capital ratio | 38.50% |
| Total risk-based capital ratio | 39.10% |
| Tier 1 leverage ratio | 20.52% |
| Equity capital to assets | 18.23% |
| Tangible equity to tangible assets | 18.23% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.52% |
| Non-performing assets ratio | 0.33% |
| Net charge-off ratio | 0.41% |
| Texas ratio | 1.78% |
| Allowance for credit losses to loans | 0.53% |
| Reserve coverage of non-performing loans | 102.02% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.78% |
| Return on equity | 10.23% |
| Net interest margin | 3.05% |
| Efficiency ratio | 33.26% |
| Yield on earning assets | 5.24% |
| Cost of funds | 2.61% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.23% |
| Core deposits to total deposits | 66.21% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 75.90% |
| Securities to assets | 35.08% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 41.20% | 41.20% | 41.61% | 20.80% | 1.06% |
| Q4 2023 | 39.66% | 39.66% | 40.05% | 20.45% | 0.99% |
| Q1 2024 | 39.80% | 39.80% | 40.20% | 20.39% | 0.74% |
| Q2 2024 | 37.54% | 37.54% | 37.95% | 20.78% | 1.24% |
| Q3 2024 | 38.76% | 38.76% | 39.20% | 21.06% | 1.12% |
| Q4 2024 | 37.47% | 37.47% | 37.93% | 20.89% | 1.23% |
| Q1 2025 | 37.54% | 37.54% | 38.01% | 20.35% | 1.05% |
| Q2 2025 | 38.03% | 38.03% | 38.50% | 20.84% | 1.45% |
| Q3 2025 | 37.91% | 37.91% | 38.40% | 21.19% | 1.37% |
| Q4 2025 | 36.89% | 36.89% | 37.58% | 20.28% | 0.97% |
| Q1 2026 | 36.46% | 36.46% | 37.12% | 20.28% | 1.59% |
| Q2 2026 | 38.50% | 38.50% | 39.10% | 20.52% | 1.78% |
Citizens 1st Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens 1st Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Citizens 1st Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1715) · FFIEC NIC profile (RSSD 869663)