Vitals
  • Total Assets
    124.2M 8.1 %
  • Total Deposits
    112.7M 10.3 %
  • Total Net Loans
    98.4M -1.5 %
  • Net Income
    3.5M 16.3 %
  • Book Value
    11.3M 11.4 %
  • Book Value x2
    22.6M 11.4 %
  • Book Value x3
    33.9M 11.4 %
ROAA

2.807

ROAE

32.699

Efficiency Ratio

42.809

Net Interest Margin

5.378

Balance Sheet Highlights
Financial Highlights Citizens State Bank All Insured Commercial Banks in Texas
Balance Sheet $(000)
Total Assets 124,247 358,087
Total Net Loans 98,382 213,533
Total Deposits 112,730 308,027
Total Equity 11,309 38,740
Profitability
Net Income 3,506 3,845
Return on Average Assets 2.807 1.025
Return on Average Equity 32.699 9.415
Net Interest Margin 5.378 3.773
Efficiency Ratio 42.809 66.762
Noninterest Income/Revenue 6.107 16.375
Balance Sheet Ratios
Loan-to-Deposit 87.272 65.494
Securities/Assets .002 .214
Total Equity/Total Assets .091 .108
Tangible Equity/Tangible Assets .091 .104
Capital Adequacy
Tier 1 Common Capital 11,302 37,278
Tier 1 Capital 11,302 37,303
Tier 2 Capital 1,143 2,526
Total Capital 12,445 39,866
Total Risk Weighted Assets 91,203 237,367
Leverage Ratio 9.08 10.563
Common Equity Tier 1 Capital Ratio 12.39 18.073
Tier 1 Capital Ratio 12.39 18.097
Total Capital Ratio 13.65 19.169

Timeline for Citizens State Bank

Csb Financial Corporation

Csb Financial Corporation became a new parent organization for Citizens State Bank.

View Profile Feb 01 2008

Citizens State Bank

Citizens State Bank was established 87 years ago and is currently headquartered in Miles, TX.

Aug 02 1937
Relationships Role Relationship Start Relationship End
Csb Financial Corporation Parent 2/1/2008
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