Citizens 1st Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Capital moved notably last quarter, CET1 ratio of 38.50% was up 204bps from the prior quarter. Citizens 1st Bank is a locally rooted FDIC-insured community bank based in Tyler, TX. Total assets stand at $811M. Returns are notably above industry norms: 1.78% ROA, 10.23% ROE, and 3.05% NIM. Capital cushions are healthy: 38.50% CET1, 20.52% Tier 1 leverage. Asset quality is solid, 0.52% nonperforming loans and a 1.78% Texas Ratio. 4 branches make up the footprint.
As of June 30, 2026, Citizens 1st Bank reported a CET1 capital ratio of 38.50%, a return on assets of 1.78%, a nonperforming-loan ratio of 0.52%, a Texas ratio of 1.78%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 2001 E Southeast Loop 323, Tyler, TX 75701
- County
- Smith
- Metro Area
- Tyler, TX
- 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
- —
- Call Report form
- FFIEC 051
- Established
- April 24, 1920
- Former names
- Citizens Bank (1981-1992)
- Offices
- 4 domestic
- Employees (FTE)
- 60
- Domestic deposits
- $615.5M
- Allowance for credit losses
- $2.6M
- Net charge-offs (YTD)
- $626K
- Average total assets
- $838.3M
- Average total loans
- $484.9M
- Average interest-bearing deposits
- $540.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1715
- Fed RSSD
- 869663
- Website
- www.citizens1stbank.com →
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Citizens 1st Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Citizens 1st Bank, freeCitizens 1st Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Citizens 1st Bank: CET1 ratio, Efficiency ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 38.50% | 1.78% | 0.52% | 1.78% | 3.05% |
| Q1 2026 | 36.46% | 1.59% | 0.75% | 2.52% | 2.98% |
| Q4 2025 | 36.89% | 0.97% | 1.02% | 3.55% | 2.93% |
| Q3 2025 | 37.91% | 1.37% | 1.63% | 5.30% | 2.84% |
| Q2 2025 | 38.03% | 1.45% | 1.70% | 7.81% | 2.81% |
| Q1 2025 | 37.54% | 1.05% | 0.92% | 5.23% | 2.58% |
| Q4 2024 | 37.47% | 1.23% | 0.95% | 3.34% | 2.78% |
| Q3 2024 | 38.76% | 1.12% | 0.95% | 3.03% | 2.50% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 4 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Citizens 1st Bank (main office) | Tyler , TX | 75701 | $291.9M |
| Rusk Branch | Rusk , TX | 75785 | $179.1M |
| Nacogdoches Branch | Nacogdoches , TX | 75965 | $131.9M |
| Jacksonville Branch | Jacksonville , TX | 75766 | $12.6M |
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 |
|---|---|---|---|
| August 24, 1991 | Structure Change | Acquired First Southwest Federal Savings & Loan Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 23, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 3, 1991 | Structure Change | Acquired Timberland Federal Savings Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 2, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 1991 | Structure Change | Acquired First Ffederal Savings of Nacogdoches Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 31, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 30, 1990 | Structure Change | Acquired Rusk Federal Savings & Loan Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 29, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
What the public regulatory sources show for Citizens 1st Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 159 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 100 applications, 68 loans originated, $41.5M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Citizens 1st Bank
What are Citizens 1st Bank's total assets?
As of the Q2 2026 filing, Citizens 1st Bank reported total assets of $811.0 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Citizens 1st Bank headquartered?
Citizens 1st Bank is headquartered in Tyler, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Citizens 1st Bank founded?
Citizens 1st Bank was established in 1920, per the FDIC institution directory.
Is Citizens 1st Bank FDIC-insured?
Yes. Citizens 1st Bank is an FDIC-insured commercial bank (FDIC Certificate #1715). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens 1st Bank?
Citizens 1st Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Citizens 1st Bank's CET1 capital ratio?
Citizens 1st Bank reported a Common Equity Tier 1 (CET1) capital ratio of 38.50% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Citizens 1st Bank operate?
Citizens 1st Bank operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens 1st Bank's Texas Ratio?
Citizens 1st Bank's Texas Ratio is 1.78% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Citizens 1st Bank previously called?
The charter now named Citizens 1st Bank has also operated as Citizens Bank (1981-1992), per FDIC structure-change records.
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