Citizens State Bank (Somerville, TX)
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Data as of · sourced from FFIEC call reports. How we update
Citizens State Bank is an FDIC-insured commercial bank headquartered in Somerville, TX, established in 1925 (FDIC certificate 16753), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.22B, up 5.9% from Q2 2025, the 77th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.95% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16753
- Headquarters
- Somerville, TX
- Established
- 1925
- Total assets, Q2 2026
- $1.22B
- Assets vs Q2 2025
- +5.9%
- Tier 1 leverage ratio, Q2 2026
- 12.95%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 113112995
- Holding company
- C.S.B. BANCSHARES, INC.
- Asset rank in state
- 77th of 346 in Texas
Problem loans are rising at Citizens State Bank. The Somerville, Texas bank had $1.2 billion in assets at June 30, 2026, up 5.9% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.99% of loans from 1.66% a year earlier. It keeps 4.87 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). On the other hand, it carries problem assets equal to 11.8% of the capital and reserves that would absorb them, about triple the median of 3.6% for banks its size.
The commercial and industrial book ($105 million) is worsening: 11.18% of it is past due or on nonaccrual, up from 8.07% a year earlier. The non-owner-occupied commercial real estate book ($112 million) is worsening: 1.82% of it is past due or on nonaccrual, up from 1.17% a year earlier. Funding is the softer spot: it holds about two-fifths of its deposits (41%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 30.9%).
As of June 30, 2026, Citizens State Bank reported a return on assets of 1.76%, a nonperforming-loan ratio of 1.99% and a Texas ratio of 11.77%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Citizens State Bank is the 77th largest of the 346 banks headquartered in Texas. Between Q1 2026 and Q2 2026, its total assets rose 0.4% to $1.22B, loans fell 0.1% and deposits were flat. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 28.5% of total loans, ahead of owner-occupied commercial real estate loans at 17.7%. The FDIC Summary of Deposits lists 7 offices for it, in 7 cities in TX; its Brenham office books 31% of its branch deposits. Judged on its Q2 2026 call report, Citizens State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 155 8th St, Somerville, TX 77879
- County
- Burleson
- Metro Area
- College Station-Bryan, 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
- —
- Call Report form
- FFIEC 051
- Established
- June 1, 1925
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 150
- Domestic deposits
- $1.05B
- Allowance for credit losses
- $8.5M
- Net charge-offs (YTD)
- $1.1M
- Average total assets
- $1.22B
- Average total loans
- $760.2M
- Average interest-bearing deposits
- $739.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 2, 1948
- FDIC Cert
- 16753
- Fed RSSD
- 261360
- Website
- http://www.csbtx.bank →
- Parent Holding Company
- C.S.B. BANCSHARES, INC. (RSSD 2100089)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Citizens State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Citizens State Bank's total assets moved between a low of $1.02B (Q3 2023) and a high of $1.22B (Q2 2026) from Q3 2023 to Q2 2026, 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
$1.22B total assets against $1.15B; $1.07B total liabilities against $1.01B.
$751.8M net loans and leases against $729.8M; $1.05B total deposits against $1.00B.
$286.5M securities against $214.9M; $113.5M cash and balances due against $145.6M.
$17.8M total interest income against $16.1M; $4.2M total interest expense against $4.1M.
$13.6M net interest income against $11.9M.
$1.8M total noninterest income against $1.5M; $7.2M total noninterest expense against $6.8M.
$1.4M provision for credit losses against $312K.
$5.3M net income against $5.0M.
1.76% return on assets against 1.79%; 4.87% net interest margin against 4.59%.
12.95% tier 1 leverage ratio against 12.45%.
Inside the full Citizens State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCitizens State Bank rankings
Its closest position to the top of a national ranking is 491 of 3,640, for Texas Ratio; its furthest is 268 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.48% (Q4 2024) to 1.93% (Q4 2025) and its net interest margin ran from 4.24% (Q3 2024) to 4.87% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.95% | 1.76% | 1.99% | 11.77% | 4.87% |
| Q1 2026 | 12.67% | 1.56% | 2.75% | 13.57% | 4.57% |
| Q4 2025 | 12.47% | 1.93% | 2.44% | 12.38% | 4.64% |
| Q3 2025 | 12.57% | 1.56% | 1.80% | 9.27% | 4.75% |
| Q2 2025 | 12.45% | 1.79% | 1.66% | 9.00% | 4.59% |
| Q1 2025 | 12.31% | 1.80% | 1.67% | 9.32% | 4.63% |
| Q4 2024 | 11.87% | 1.48% | 1.57% | 8.99% | 4.37% |
| Q3 2024 | 11.92% | 1.70% | 1.53% | 8.59% | 4.24% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| Brenham Branch | Brenham , TX | 77833 | $323.4M |
| Caldwell Branch | Caldwell , TX | 77836 | $226.0M |
| Citizens State Bank (main office) | Somerville , TX | 77879 | $169.9M |
| Navasota Branch | Navasota , TX | 77868 | $116.8M |
| Burton State Bank Branch | Burton , TX | 77835 | $102.8M |
| Snook Branch | Snook , TX | 77878 | $64.3M |
| Deanville Branch | Deanville , TX | 77852 | $47.2M |
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 |
|---|---|---|---|
| December 4, 2021 | Structure Change | Acquired Burton State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 3, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 29, 1992 | Structure Change | Acquired Burleson County FSA Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| February 28, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 22, 1990 | Structure Change | Acquired Peoples National Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 21, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 21, 1989 | Structure Change | Acquired First State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| April 20, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 108 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 222 applications, 157 loans originated, $43.3M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $225K approved, $112K average. 50.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2003 (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
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Frequently asked about Citizens State Bank
What are Citizens State Bank's total assets?
As of the Q2 2026 filing, Citizens State Bank reported total assets of $1.22 billion in its FFIEC call report.
Where is Citizens State Bank headquartered?
It is headquartered in Somerville, TX, United States.
When was Citizens State Bank founded?
It was established in 1925, per the FDIC institution directory.
Is Citizens State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16753). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens State Bank?
Citizens State Bank's primary federal regulator is the FDIC.
How many branches does Citizens State Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens State Bank's Texas Ratio?
Its Texas Ratio is 11.77% 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.
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