Citizens Bank (Kilgore, TX)
BankRegReports is independent of Citizens Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Citizens Bank is an FDIC-insured commercial bank headquartered in Kilgore, TX, established in 1949 (FDIC certificate 16817), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $488.8M, down 0.1% from Q2 2025, the 163rd largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 10.10% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16817
- Headquarters
- Kilgore, TX
- Established
- 1949
- Total assets, Q2 2026
- $488.8M
- Assets vs Q2 2025
- -0.1%
- CET1 ratio, Q2 2026
- 10.10%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 111922624
- Latest call report
- Q2 2026, FFIEC 051 · Citizens Bank call report
- Holding company
- EAST TEXAS FINANCIAL CORPORATION
- Asset rank in state
- 163rd of 346 in Texas
Citizens Bank operates with a thinner capital cushion than most banks of its size. It reported $489 million in assets at June 30, 2026. It holds common equity equal to 10.10% of its risk-weighted assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 15.12%). It also holds commercial real estate loans worth 4.4 times its capital, 3.7 times the median of 1.2 times for banks its size.
Net income for the quarter slipped 17% from a year earlier, to $911,000. Costs are the weak spot: it spends about 78 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Citizens Bank reported a CET1 capital ratio of 10.10%, a return on assets of 0.74%, a nonperforming-loan ratio of 0.02% and a Texas ratio of 0.18%. The figures come from its call report filed with the FFIEC.
Citizens Bank ranks as the 163rd largest of the 346 banks based in Texas, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.3% to $488.8M, loans fell 1.5% and deposits fell 0.6%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 32.4% of total loans, ahead of owner-occupied commercial real estate loans at 20.3%. Its 11 offices in the FDIC Summary of Deposits are in 10 cities in TX; its Kilgore office books 40% of its branch deposits. Judged on its Q2 2026 call report, Citizens Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 301 E Main St, Kilgore, TX 75662
- County
- Gregg
- Metro Area
- Longview, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- July 24, 1949
- Former names
- Allied Citizens Bank (1975-1987)
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 100
- Domestic deposits
- $441.6M
- Allowance for credit losses
- $8.1M
- Net charge-offs (YTD)
- -$27K
- Average total assets
- $489.7M
- Average total loans
- $329.7M
- Average interest-bearing deposits
- $244.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 24, 1949
- FDIC Cert
- 16817
- Fed RSSD
- 744854
- SEC CIK
- 1134571 → filed by EAST TEXAS FINANCIAL CORPORATION
- Website
- http://WWW.CITIZENSBANKTX.COM →
- Parent Holding Company
- EAST TEXAS FINANCIAL CORPORATION (RSSD 1427556)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Citizens Bank's total assets ranged from $474.8M (Q2 2024) to $511.7M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$488.8M total assets against $489.1M; $455.5M total liabilities against $418.3M.
$319.0M net loans and leases against $298.3M; $441.6M total deposits against $414.6M.
$52.2M securities against $71.9M; $100.6M cash and balances due against $101.3M.
$7.2M total interest income against $8.3M; $2.0M total interest expense against $1.6M.
$5.2M net interest income against $6.6M.
$256K total noninterest income against -$2.0M; $4.2M total noninterest expense against $4.2M.
$75K provision for credit losses against -$925K.
$911K net income against $1.1M.
0.74% return on assets against 0.90%; 4.44% net interest margin against 5.58%.
10.10% CET1 capital ratio against 20.52%; 6.90% tier 1 leverage ratio against 14.71%.
Inside the full Citizens Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Citizens Bank rankings
Its closest position to the top of a national ranking is 1,808 of 4,196, for total assets; its furthest is 2,087 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.42% (Q1 2025) to 1.14% (Q4 2025) and its net interest margin ran from 3.81% (Q3 2024) to 5.58% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.10% | 0.74% | 0.02% | 0.18% | 4.44% |
| Q1 2026 | 9.91% | 0.82% | 0.03% | 0.25% | 4.27% |
| Q4 2025 | 21.03% | 1.14% | 0.04% | 0.16% | 4.50% |
| Q3 2025 | 22.50% | 0.98% | 0.04% | 0.14% | 4.29% |
| Q2 2025 | 20.52% | 0.90% | 0.04% | 0.16% | 5.58% |
| Q1 2025 | 21.58% | 0.42% | 0.05% | 0.18% | 3.88% |
| Q4 2024 | 21.79% | 0.50% | 0.05% | 0.20% | 3.82% |
| Q3 2024 | 21.86% | 0.53% | 0.39% | 1.38% | 3.81% |
Swipe the table sideways to see every column.
Branch Network
View all 11 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Citizens Bank (main office) | Kilgore , TX | 75662 | $178.2M |
| Yorktown Branch | Yorktown , TX | 78164 | $156.3M |
| Kountze Branch | Kountze , TX | 77625 | $24.7M |
| Gladewater Branch | Gladewater , TX | 75647 | $15.2M |
| BryanCollege Station Branch | Bryan , TX | 77802 | $13.2M |
| Center Branch | Center , TX | 75935 | $13.0M |
| Humble Branch | Humble , TX | 77338 | $11.8M |
| Sour Lake Branch | Sour Lake , TX | 77659 | $10.2M |
| The Woodlands Branch | The Woodlands , TX | 77384 | $9.6M |
| Carthage Branch | Carthage , TX | 75633 | $9.5M |
| Gladewater Branch | Gladewater , TX | 75647 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 1, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2018 | Structure Change | Acquired Gladewater National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 28, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 28, 1993 | Structure Change | Acquired New First City, Texas - Kountze, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 11, 1992 | Structure Change | Acquired The First National Bank of Yorktown Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| September 10, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 31, 1990 | Structure Change | Acquired The First National Bank of Levelland Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 30, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 16, 1988 | Structure Change | Acquired First National Bank in Center Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| December 15, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 10 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 201 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 44 applications, 28 loans originated, $5.1M originated, across 1 states
- Period: Calendar year 2019. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $800K approved, $400K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Citizens Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Citizens Bank
What are Citizens Bank's total assets?
As of the Q2 2026 filing, Citizens Bank reported total assets of $488.8 million in its FFIEC call report.
Where is Citizens Bank headquartered?
It is headquartered in Kilgore, TX, United States.
When was Citizens Bank founded?
It was established in 1949, per the FDIC institution directory.
Is Citizens Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16817). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Bank?
Citizens Bank's primary federal regulator is the FDIC.
What is Citizens Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.10% in its Q2 2026 call report, above regulatory requirements.
How many branches does Citizens Bank operate?
It operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens Bank's Texas Ratio?
Its Texas Ratio is 0.18% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Citizens Bank previously called?
The charter now named Citizens Bank has also operated as Allied Citizens Bank (1975-1987), per FDIC structure-change records.
Go deeper on Citizens Bank.
Get an email when Citizens Bank files its next call report, and benchmark it against any peer you choose.
Unlock Citizens Bank, freeFree account