Vitals
  • Total Assets
    462.4M 0.4 %
  • Total Deposits
    408.1M -0.7 %
  • Total Net Loans
    293.7M 11.9 %
  • Net Income
    5.2M 28.9 %
  • Book Value
    50.1M 9.5 %
  • Book Value x2
    100.1M 9.5 %
  • Book Value x3
    150.2M 9.5 %
ROAA

1.149

ROAE

10.724

Efficiency Ratio

62.222

Net Interest Margin

4.713

Balance Sheet Highlights
Financial Highlights Citizens State Bank All Insured Commercial Banks in Texas
Balance Sheet $(000)
Total Assets 462,426 358,087
Total Net Loans 293,657 213,533
Total Deposits 408,078 308,027
Total Equity 50,055 38,740
Profitability
Net Income 5,185 3,845
Return on Average Assets 1.149 1.025
Return on Average Equity 10.724 9.415
Net Interest Margin 4.713 3.773
Efficiency Ratio 62.222 66.762
Noninterest Income/Revenue 16.533 16.375
Balance Sheet Ratios
Loan-to-Deposit 71.961 65.494
Securities/Assets .208 .214
Total Equity/Total Assets .108 .108
Tangible Equity/Tangible Assets .108 .104
Capital Adequacy
Tier 1 Common Capital 49,950 37,278
Tier 1 Capital 49,950 37,303
Tier 2 Capital 3,401 2,526
Total Capital 53,351 39,866
Total Risk Weighted Assets 312,854 237,367
Leverage Ratio 11.03 10.563
Common Equity Tier 1 Capital Ratio 15.97 18.073
Tier 1 Capital Ratio 15.97 18.097
Total Capital Ratio 17.05 19.169

Timeline for Citizens State Bank

C.S.B. Delaware, Inc.

C.S.B. Delaware, Inc. became a new parent organization for Citizens State Bank.

View Profile Dec 01 1993

C.S.B. Bancshares, Inc.

C.S.B. Bancshares, Inc. became a new parent organization for Citizens State Bank.

View Profile Sep 01 1993

Burleson County Fsa

Acquisition: Citizens State Bank acquired a new subsidiary, Burleson County Fsa, 32 years

View Profile Feb 29 1992

Peoples National Bank

Acquisition: Citizens State Bank acquired a new subsidiary, Peoples National Bank, 34 years

View Profile Jun 22 1990

First State Bank

Acquisition: Citizens State Bank acquired a new subsidiary, First State Bank, 35 years

View Profile Apr 21 1989

Want to see more?

Complete timeline for Citizens State Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Burleson County Fsa Seller 22,550 Failure 2/29/1992
Peoples National Bank Seller 9,649 Failure 6/22/1990
First State Bank Seller 9,419 Failure 4/21/1989
Relationships Role Relationship Start Relationship End
C.S.B. Delaware, Inc. Parent 12/1/1993
C.S.B. Bancshares, Inc. Parent 9/1/1993 11/30/1993
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