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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 153.62 percentage points higher than in Q1 2026, at 263.14%. On return on assets, Citizens State Bank ranks 17th highest among the 345 banks headquartered in Texas, at 2.65% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Citizens State Bank reported 2.65% on return on assets in Q2 2026, 1.40 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.74% |
| Equity capital to assets | 10.96% |
| Tangible equity to tangible assets | 10.96% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.45% |
| Non-performing assets ratio | 0.58% |
| Net charge-off ratio | 0.54% |
| Texas ratio | 4.89% |
| Allowance for credit losses to loans | 1.17% |
| Reserve coverage of non-performing loans | 263.14% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.65% |
| Return on equity | 25.20% |
| Net interest margin | 4.57% |
| Efficiency ratio | 40.01% |
| Yield on earning assets | 6.67% |
| Cost of funds | 2.28% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.43% |
| Core deposits to total deposits | 61.35% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.70% |
| Securities to assets | 7.80% |
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 | 13.86% | 13.86% | 15.05% | 9.95% | 2.10% |
| Q4 2023 | 13.73% | 13.73% | 14.87% | 9.93% | 2.31% |
| Q1 2024 | — | — | — | 9.88% | 2.21% |
| Q2 2024 | — | — | — | 10.27% | 2.80% |
| Q3 2024 | — | — | — | 10.32% | 2.48% |
| Q4 2024 | — | — | — | 10.37% | 2.76% |
| Q1 2025 | — | — | — | 10.62% | 2.69% |
| Q2 2025 | — | — | — | 10.71% | 2.77% |
| Q3 2025 | — | — | — | 10.41% | 2.48% |
| Q4 2025 | — | — | — | 10.10% | 2.56% |
| Q1 2026 | — | — | — | 10.51% | 2.42% |
| Q2 2026 | — | — | — | 10.74% | 2.65% |
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 15519) · FFIEC NIC profile (RSSD 296755)