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.
Reserve coverage of non-performing loans dropped 903.20 percentage points in Q2 2026, from 941.53% to 38.33%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Citizens State Bank is 23rd from the bottom among 345 Texas banks, 0.31% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Citizens State Bank reported 0.31% on return on assets in Q2 2026, 0.94 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.70% |
| Tier 1 risk-based capital ratio | 16.70% |
| Total risk-based capital ratio | 18.00% |
| Tier 1 leverage ratio | 13.18% |
| Equity capital to assets | 11.60% |
| Tangible equity to tangible assets | 11.60% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.10% |
| Non-performing assets ratio | 2.30% |
| Net charge-off ratio | 0.09% |
| Texas ratio | 18.48% |
| Allowance for credit losses to loans | 1.19% |
| Reserve coverage of non-performing loans | 38.33% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.31% |
| Return on equity | 2.56% |
| Net interest margin | 3.87% |
| Efficiency ratio | 82.95% |
| Yield on earning assets | 5.71% |
| Cost of funds | 2.01% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.96% |
| Core deposits to total deposits | 89.55% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.84% |
| Securities to assets | 10.34% |
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 | 15.89% | 15.89% | 16.54% | 11.79% | 0.69% |
| Q4 2023 | 14.68% | 14.68% | 15.78% | 11.27% | 0.34% |
| Q1 2024 | 14.61% | 14.61% | 15.73% | 10.78% | 0.98% |
| Q2 2024 | 13.67% | 13.67% | 14.76% | 10.85% | 0.95% |
| Q3 2024 | 15.93% | 15.93% | 17.00% | 12.33% | 0.99% |
| Q4 2024 | 17.41% | 17.41% | 18.56% | 12.40% | 0.82% |
| Q1 2025 | 18.23% | 18.23% | 19.48% | 13.58% | 1.06% |
| Q2 2025 | 16.41% | 16.41% | 17.56% | 13.77% | 0.96% |
| Q3 2025 | 15.69% | 15.69% | 16.81% | 13.07% | 0.71% |
| Q4 2025 | 16.12% | 16.12% | 17.29% | 13.49% | 0.51% |
| Q1 2026 | 16.03% | 16.03% | 17.23% | 13.44% | 0.81% |
| Q2 2026 | 16.70% | 16.70% | 18.00% | 13.18% | 0.31% |
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 12303) · FFIEC NIC profile (RSSD 625065)