Bank Safety Analysis
Is Citizens State Bank Safe? Woodville, Texas
Based on its Q2 2026 call report, Citizens State Bank meets every capital ratio test for well capitalized, its Texas ratio is 18.48%, and its deposits are FDIC insured up to $250,000 per depositor.
BankRegReports is independent of Citizens State Bank and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 call report, Citizens State Bank's CET1 ratio is 16.70%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q2 2026): 16.70%
- Tier 1 leverage ratio (Q2 2026): 13.18%
- Texas ratio (Q2 2026): 18.48%
- Noncurrent loans ratio (Q2 2026): 3.10%
Citizens State Bank is an FDIC-insured commercial bank (FDIC Certificate #12303). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Context: largest US bank failures · what these ratios mean · how we score.
Citizens State Bank is outside the pass range on 1 of 5 safety dimensions: asset quality. Capital and leverage are above their regulatory minimums. The failed band is a BankRegReports band, not a supervisory threshold. 2 risk screens are flagged: non-performing loan ratio and commercial real estate to capital. Analysis based on the Q2 2026 call report.
Nonperforming loan ratio (nonaccrual plus 90+ days past due) climbed 2.97 percentage points in Q2 2026, from 0.12% to 3.10%. It was the largest change from Q1 2026 among the key lines here. Citizens State Bank ranks 97th of 184 Texas banks on CET1 ratio, in the lower half at 16.70% (Q2 2026). Citizens State Bank reported 16.70% on CET1 ratio for Q2 2026, 1.62 points above the 15.08% median for banks in the $100M-1B asset tier. From Q3 2023 to Q2 2026, Citizens State Bank's CET1 ratio ranged between 13.67% (Q2 2024) and 18.23% (Q1 2025) and its Texas ratio ranged between 0.56% (Q3 2025) and 18.48% (Q2 2026). Between Q2 2025 and Q2 2026, Citizens State Bank's CET1 ratio rose from 16.41% to 16.70%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.00% to 3.10%, Texas ratio rose from 0.63% to 18.48% and return on assets fell from 0.96% to 0.31%.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating. Held-out test AUC 0.910 for the 1-year horizon (v20261026_025757). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. The risk tier comes from the composite score; the 12-month figure rounds to zero for this bank, so it is not shown beside a tier above Low. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: $100M to $1B (2,757 banks) · Industry averages as of Q2 2026.
CET1 of 16.70% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 13.18% is above the 5% well-capitalized threshold.
Nonperforming loans at 3.10% are at a stress-band level above 3%.
Texas Ratio of 18.5% is well below the 100% historical failure threshold.
Efficiency ratio of 83.0% is elevated, suggesting cost-to-revenue pressure.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 16.70% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 18.48% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 3.10% | Flags at 3% or above | Flagged |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 82.96% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 270.12% | Watch at 200%, concern at 300% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 16.70% |
| Q1 2026 | 16.03% |
| Q4 2025 | 16.12% |
| Q3 2025 | 15.69% |
| Q2 2025 | 16.41% |
| Q1 2025 | 18.23% |
| Q4 2024 | 17.41% |
| Q3 2024 | 15.93% |
| Q2 2024 | 13.67% |
| Q1 2024 | 14.61% |
| Q4 2023 | 14.68% |
| Q3 2023 | 15.89% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 18.48% |
| Q1 2026 | 1.16% |
| Q4 2025 | 0.95% |
| Q3 2025 | 0.56% |
| Q2 2025 | 0.63% |
| Q1 2025 | 0.64% |
| Q4 2024 | 0.76% |
| Q3 2024 | 1.21% |
| Q2 2024 | 1.10% |
| Q1 2024 | 1.26% |
| Q4 2023 | 1.14% |
| Q3 2023 | 1.60% |
Citizens State Bank by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 16.70% | 3.10% | 18.48% | 0.31% |
| Mar 31, 2026 | 16.03% | 0.12% | 1.16% | 0.81% |
| Dec 31, 2025 | 16.12% | 0.10% | 0.95% | 0.51% |
| Sep 30, 2025 | 15.69% | 0.00% | 0.56% | 0.71% |
| Jun 30, 2025 | 16.41% | 0.00% | 0.63% | 0.96% |
| Mar 31, 2025 | 18.23% | 0.00% | 0.64% | 1.06% |
| Dec 31, 2024 | 17.41% | 0.00% | 0.76% | 0.82% |
| Sep 30, 2024 | 15.93% | 0.06% | 1.21% | 0.99% |
| Jun 30, 2024 | 13.67% | 0.00% | 1.10% | 0.95% |
| Mar 31, 2024 | 14.61% | 0.02% | 1.26% | 0.98% |
| Dec 31, 2023 | 14.68% | 0.00% | 1.14% | 0.34% |
| Sep 30, 2023 | 15.89% | 0.01% | 1.60% | 0.69% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Citizens State Bank FDIC insured?
Yes. Citizens State Bank is an FDIC-insured commercial bank (FDIC Certificate #12303). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Citizens State Bank well capitalized?
On its Q2 2026 call report, Citizens State Bank's CET1 ratio is 16.70%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the Federal Reserve, applies.
What are Citizens State Bank's key safety ratios?
For Q2 2026, Citizens State Bank reports CET1 16.70%, leverage 13.18%, Texas ratio 18.48%, noncurrent loans 3.10%. The Texas ratio compares problem assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
What happens to my deposits if Citizens State Bank fails?
Insured deposits are protected up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC pays insured depositors as soon as possible, usually the next business day.
Add this badge to your website
Free to use. It shows Citizens State Bank’s latest filed figures and updates each quarter.
Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 12303) · FFIEC NIC profile (RSSD 625065)
Explore: Full Citizens State Bank profile · Other banks in TX · Metric glossary · How the call report works