Citizens State Bank (Miles, 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 Miles, TX, established in 1937 (FDIC certificate 15519), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $270.1M, up 4.5% from Q2 2025, the 225th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.74% 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
- 15519
- Headquarters
- Miles, TX
- Established
- 1937
- Total assets, Q2 2026
- $270.1M
- Assets vs Q2 2025
- +4.5%
- Tier 1 leverage ratio, Q2 2026
- 10.74%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 111321856
- Latest call report
- Q2 2026, FFIEC 051 · Citizens State Bank call report
- Holding company
- CSB FINANCIAL CORPORATION
- Asset rank in state
- 225th of 346 in Texas
Citizens State Bank is one of the more profitable banks of its size. Based in Miles, Texas, it had $270 million in assets at June 30, 2026, up 4.5% from a year earlier. It earns about $2.65 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 40 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Its $35 million commercial and industrial book is improving, with 2.96% past due or on nonaccrual, down from 4.73% a year earlier. Problem loans have nearly tripled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.44% of loans, against 0.15% a year earlier. Funding is the softer spot: it pays an average of 2.28% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Citizens State Bank reported a return on assets of 2.65%, a nonperforming-loan ratio of 0.44% and a Texas ratio of 4.86%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, Citizens State Bank is the 225th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 3.7% to $270.1M, loans rose 1.9% and deposits fell 4.5%. 1-4 family residential loans made up 28.4% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 16.7%. The FDIC Summary of Deposits lists 2 offices for it, in San Angelo, TX and Miles, TX; its San Angelo office books 56% of its branch deposits. On its Q2 2026 call report, Citizens State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 111 S Robinson St, Miles, TX 76861
- County
- Runnels
- 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
- August 2, 1937
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 26
- Domestic deposits
- $239.6M
- Allowance for credit losses
- $2.5M
- Net charge-offs (YTD)
- $398K
- Average total assets
- $277.3M
- Average total loans
- $206.0M
- Average interest-bearing deposits
- $190.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 2, 1937
- FDIC Cert
- 15519
- Fed RSSD
- 296755
- Website
- www.citizensstatebk.com →
- Parent Holding Company
- CSB FINANCIAL CORPORATION (RSSD 3647572)
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
Over the 12 quarters to Q2 2026, Citizens State Bank's total assets ran between $222.8M (Q3 2023) and $280.5M (Q1 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
$270.1M total assets against $258.4M; $240.5M total liabilities against $231.7M.
$209.4M net loans and leases against $198.0M; $239.6M total deposits against $231.0M.
$21.1M securities against $18.0M; $29.9M cash and balances due against $33.6M.
$4.4M total interest income against $4.1M; $1.4M total interest expense against $1.4M.
$3.0M net interest income against $2.8M.
$177K total noninterest income against $174K; $1.3M total noninterest expense against $1.1M.
$90K provision for credit losses against $60K.
$1.8M net income against $1.7M.
2.65% return on assets against 2.77%; 4.57% net interest margin against 4.58%.
10.74% tier 1 leverage ratio against 10.71%.
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 121 of 3,611, for ROA; its furthest is 2,597 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 2.42% (Q1 2026) to 2.77% (Q2 2025) and its net interest margin ran from 4.17% (Q3 2024) to 4.58% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.74% | 2.65% | 0.44% | 4.86% | 4.57% |
| Q1 2026 | 10.51% | 2.42% | 0.88% | 5.84% | 4.30% |
| Q4 2025 | 10.10% | 2.56% | 1.00% | 6.67% | 4.26% |
| Q3 2025 | 10.41% | 2.48% | 0.00% | 0.00% | 4.33% |
| Q2 2025 | 10.71% | 2.77% | 0.15% | 0.99% | 4.58% |
| Q1 2025 | 10.62% | 2.69% | 0.64% | 4.49% | 4.57% |
| Q4 2024 | 10.37% | 2.76% | 0.00% | 0.00% | 4.40% |
| Q3 2024 | 10.32% | 2.48% | 0.00% | 0.00% | 4.17% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| 329 West Harris Branch | San Angelo , TX | 76903 | $133.2M |
| Citizens State Bank (main office) | Miles , TX | 76861 | $106.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 275 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $1.5M approved, $748K average. 0.00% 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, Mortgage lending (HMDA), 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 $270.1 million in its FFIEC call report.
Where is Citizens State Bank headquartered?
It is headquartered in Miles, TX, United States.
When was Citizens State Bank founded?
It was established in 1937, per the FDIC institution directory.
Is Citizens State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15519). 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 2 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 4.86% 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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