Citizens State Bank (Sealy, 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 Sealy, TX, established in 1907 (FDIC certificate 17214), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $507.0M, up 17.0% from Q2 2025, the 160th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.35% 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
- 17214
- Headquarters
- Sealy, TX
- Established
- 1907
- Total assets, Q2 2026
- $507.0M
- Assets vs Q2 2025
- +17.0%
- Tier 1 leverage ratio, Q2 2026
- 10.35%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 113104275
- Asset rank in state
- 160th of 346 in Texas
Citizens State Bank runs leaner than most banks of its size. The Sealy, Texas bank had $507 million in assets at June 30, 2026, up 17.0% from a year earlier. It spends about 41 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%).
Net income for the quarter rose 23% from a year earlier, to $1.8 million. Paper losses on its bond portfolio are shrinking: unrealized losses of $11 million equal 20% of Tier 1 capital, down from 26% a year earlier. Its margin is thin by comparison: it keeps 3.26 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Citizens State Bank reported a return on assets of 1.42%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Citizens State Bank is the 160th largest of the 346 banks headquartered in Texas. Between Q1 2026 and Q2 2026, its total assets fell 0.1% to $507.0M, loans rose 6.8% and deposits fell 0.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 57.2% of total loans, followed by construction and land development loans at 16.3%. Its one office in the FDIC Summary of Deposits is in Sealy, TX. Judged on its Q2 2026 call report, Citizens State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 222 Main St, Sealy, TX 77474
- County
- Austin
- Metro Area
- Houston-Pasadena-The Woodlands, 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
- August 12, 1907
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 37
- Domestic deposits
- $456.6M
- Allowance for credit losses
- $3.3M
- Net charge-offs (YTD)
- $1K
- Average total assets
- $516.3M
- Average total loans
- $303.8M
- Average interest-bearing deposits
- $314.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 24, 1953
- FDIC Cert
- 17214
- Fed RSSD
- 523161
- Website
- www.csbsealy.com →
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 $396.8M (Q3 2023) and a high of $507.5M (Q1 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
$507.0M total assets against $433.5M; $462.0M total liabilities against $394.4M.
$312.9M net loans and leases against $269.0M; $456.6M total deposits against $390.0M.
$154.0M securities against $147.9M; $30.7M cash and balances due against $7.0M.
$6.3M total interest income against $5.3M; $2.3M total interest expense against $2.0M.
$4.0M net interest income against $3.3M.
$264K total noninterest income against $261K; $1.8M total noninterest expense against $1.6M.
$178K provision for credit losses against $108K.
$1.8M net income against $1.5M.
1.42% return on assets against 1.33%; 3.26% net interest margin against 3.12%.
10.35% tier 1 leverage ratio against 11.00%.
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 247 of 3,606, for efficiency ratio; its furthest is 3,410 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.21% (Q1 2025) to 1.44% (Q3 2025) and its net interest margin ran from 2.92% (Q3 2024) to 3.26% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.35% | 1.42% | 0.00% | 0.00% | 3.26% |
| Q1 2026 | 10.47% | 1.36% | 0.00% | 0.00% | 3.17% |
| Q4 2025 | 10.62% | 1.40% | 0.00% | 0.00% | 3.19% |
| Q3 2025 | 11.29% | 1.44% | 0.00% | 0.00% | 3.25% |
| Q2 2025 | 11.00% | 1.33% | 0.00% | 0.00% | 3.12% |
| Q1 2025 | 11.03% | 1.21% | 0.00% | 0.00% | 2.97% |
| Q4 2024 | 10.79% | 1.28% | 0.00% | 0.00% | 3.00% |
| Q3 2024 | 10.76% | 1.21% | 0.00% | 0.00% | 2.92% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 State Bank (main office) | Sealy , TX | 77474 | $456.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 196 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 $507.0 million in its FFIEC call report.
Where is Citizens State Bank headquartered?
It is headquartered in Sealy, TX, United States.
When was Citizens State Bank founded?
It was established in 1907, per the FDIC institution directory.
Is Citizens State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17214). 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 1 domestic office, 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 0.00% 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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