Citizens State Bank (Woodville, 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 Woodville, TX, established in 1920 (FDIC certificate 12303), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $511.4M, up 36.8% from Q2 2025, the 158th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 16.70% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 12303
- Headquarters
- Woodville, TX
- Established
- 1920
- Total assets, Q2 2026
- $511.4M
- Assets vs Q2 2025
- +36.8%
- CET1 ratio, Q2 2026
- 16.70%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 113119105
- Latest call report
- Q2 2026, FFIEC 051 · Citizens State Bank call report
- Holding company
- GRAHAMJB6 CO.
- Asset rank in state
- 158th of 346 in Texas
Problem loans are rising at Citizens State Bank. It reported $511 million in assets at June 30, 2026, up 36.8% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.10% of loans from 0.00% a year earlier. It earns about $0.31 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 83 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Earnings fell sharply: quarterly net income of $379,000 was 57% below a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $6.1 million equal 9% of Tier 1 capital, down from 15% a year earlier. Credit is the area to watch: it carries problem assets equal to 18.5% of the capital and reserves that would absorb them, 7.0 times the median of 2.6% for banks its size.
As of June 30, 2026, Citizens State Bank reported a CET1 capital ratio of 16.70%, a return on assets of 0.31%, a nonperforming-loan ratio of 3.10% and a Texas ratio of 18.48%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, Citizens State Bank is the 158th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 6.9% to $511.4M, loans rose 4.2% and deposits rose 7.9%. Its loan book on June 30, 2026 was led by construction and land development loans, at 29.0% of total loans, followed by commercial and industrial loans at 18.8%. Its 6 offices in the FDIC Summary of Deposits are in 5 cities in TX; its Porter office books 38% of its branch deposits. Judged on its Q2 2026 call report, Citizens State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 102 W Bluff St, Woodville, TX 75979
- County
- Tyler
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- May 8, 1920
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 65
- Domestic deposits
- $449.2M
- Allowance for credit losses
- $4.4M
- Net charge-offs (YTD)
- $195K
- Average total assets
- $487.0M
- Average total loans
- $369.8M
- Average interest-bearing deposits
- $332.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12303
- Fed RSSD
- 625065
- SEC CIK
- 1882354 → filed by GRAHAMJB6 CO.
- Website
- www.citizensbank.net →
- Parent Holding Company
- GRAHAMJB6 CO. (RSSD 5589836)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Citizens State Bank's total assets ranged from $295.3M (Q3 2023) to $511.4M (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
$511.4M total assets against $373.7M; $452.0M total liabilities against $328.8M.
$368.2M net loans and leases against $266.0M; $449.2M total deposits against $323.4M.
$52.9M securities against $65.3M; $64.4M cash and balances due against $18.0M.
$6.7M total interest income against $5.5M; $2.2M total interest expense against $1.6M.
$4.5M net interest income against $3.9M.
$111K total noninterest income against $200K; $3.8M total noninterest expense against $2.9M.
$330K provision for credit losses against $110K.
$379K net income against $889K.
0.31% return on assets against 0.96%; 3.87% net interest margin against 4.43%.
16.70% CET1 capital ratio against 16.41%; 13.18% tier 1 leverage ratio against 13.77%.
Inside the full Citizens State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Citizens State Bank rankings
Its closest position to the top of a national ranking is 207 of 3,640, for Texas Ratio; its furthest is 3,395 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.31% (Q2 2026) to 1.06% (Q1 2025) and its net interest margin ran from 3.86% (Q3 2024) to 5.67% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.70% | 0.31% | 3.10% | 18.48% | 3.87% |
| Q1 2026 | 16.03% | 0.81% | 0.12% | 1.16% | 5.67% |
| Q4 2025 | 16.12% | 0.51% | 0.10% | 0.95% | 4.32% |
| Q3 2025 | 15.69% | 0.71% | 0.00% | 0.56% | 4.26% |
| Q2 2025 | 16.41% | 0.96% | 0.00% | 0.63% | 4.43% |
| Q1 2025 | 18.23% | 1.06% | 0.00% | 0.64% | 4.09% |
| Q4 2024 | 17.41% | 0.82% | 0.00% | 0.76% | 3.90% |
| Q3 2024 | 15.93% | 0.99% | 0.06% | 1.21% | 3.86% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 |
|---|---|---|---|
| Valley Ranch Branch | Porter , TX | 77365 | $168.5M |
| Citizens State Bank (main office) | Woodville , TX | 75979 | $134.7M |
| Austin Branch | Austin , TX | 78746 | $99.9M |
| Warren Branch | Warren , TX | 77664 | $25.5M |
| Marlin Branch | Marlin , TX | 76661 | $20.6M |
| Detached Branch Facility | Woodville , TX | 75979 | $0 |
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 |
|---|---|---|---|
| January 1, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1993 | Structure Change | Acquired First State Bank of Marlin Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 199 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $70K approved, $70K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1995 (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 $511.4 million in its FFIEC call report.
Where is Citizens State Bank headquartered?
It is headquartered in Woodville, TX, United States.
When was Citizens State Bank founded?
It was established in 1920, per the FDIC institution directory.
Is Citizens State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12303). 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 Federal Reserve.
What is Citizens State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.70% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Citizens State Bank operate?
It operates 6 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 18.48% 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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