Citizens State 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.
Reserve coverage of non-performing loans climbed 19.17 percentage points in Q2 2026, from 39.59% to 58.77%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Citizens State Bank is 106th of 345 on return on assets, 1.76% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Citizens State Bank sits 0.48 points higher, at 1.76% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.95% |
| Equity capital to assets | 12.66% |
| Tangible equity to tangible assets | 12.45% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.90% |
| Non-performing assets ratio | 1.48% |
| Net charge-off ratio | 0.42% |
| Texas ratio | 11.77% |
| Allowance for credit losses to loans | 1.11% |
| Reserve coverage of non-performing loans | 58.77% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.76% |
| Return on equity | 14.04% |
| Net interest margin | 4.87% |
| Efficiency ratio | 46.29% |
| Yield on earning assets | 6.36% |
| Cost of funds | 1.60% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.38% |
| Core deposits to total deposits | 87.70% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.14% |
| Securities to assets | 23.49% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.16% | 1.29% | 3.96% | 1.52% | 0.22% |
| Q4 2023 | 11.28% | 1.43% | 3.99% | 1.85% | 0.16% |
| Q1 2024 | 11.41% | 1.28% | 4.02% | 1.76% | 0.29% |
| Q2 2024 | 11.61% | 1.71% | 4.15% | 1.58% | 0.16% |
| Q3 2024 | 11.92% | 1.70% | 4.24% | 1.50% | 0.13% |
| Q4 2024 | 11.87% | 1.48% | 4.37% | 1.53% | 0.21% |
| Q1 2025 | 12.31% | 1.80% | 4.63% | 1.17% | 0.11% |
| Q2 2025 | 12.45% | 1.79% | 4.59% | 1.39% | 0.04% |
| Q3 2025 | 12.57% | 1.56% | 4.75% | 1.55% | 0.04% |
| Q4 2025 | 12.47% | 1.93% | 4.64% | 1.67% | 0.20% |
| Q1 2026 | 12.67% | 1.56% | 4.57% | 2.61% | 0.15% |
| Q2 2026 | 12.95% | 1.76% | 4.87% | 1.90% | 0.42% |
Citizens State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16753) · FFIEC NIC profile (RSSD 261360)