Vitals
  • Total Assets
    59.5M -6.1 %
  • Total Deposits
    55.0M -7.3 %
  • Total Net Loans
    10.5M 14.9 %
  • Net Income
    -152000.0000 -133.8 %
  • Book Value
    4.3M 13.4 %
  • Book Value x2
    8.7M 13.4 %
  • Book Value x3
    13.0M 13.4 %
ROAA

-.25

ROAE

-3.462

Efficiency Ratio

120.076

Net Interest Margin

1.931

Balance Sheet Highlights
Financial Highlights Citizens State Bank All Insured Commercial Banks in Texas
Balance Sheet $(000)
Total Assets 59,523 358,087
Total Net Loans 10,478 213,533
Total Deposits 55,026 308,027
Total Equity 4,344 38,740
Profitability
Net Income -152 3,845
Return on Average Assets -.25 1.025
Return on Average Equity -3.462 9.415
Net Interest Margin 1.931 3.773
Efficiency Ratio 120.076 66.762
Noninterest Income/Revenue 13.811 16.375
Balance Sheet Ratios
Loan-to-Deposit 19.042 65.494
Securities/Assets .663 .214
Total Equity/Total Assets .073 .108
Tangible Equity/Tangible Assets .073 .104
Capital Adequacy
Tier 1 Common Capital 4,806 37,278
Tier 1 Capital 4,806 37,303
Tier 2 Capital 133 2,526
Total Capital 4,939 39,866
Total Risk Weighted Assets 20,161 237,367
Leverage Ratio 8.12 10.563
Common Equity Tier 1 Capital Ratio 23.84 18.073
Tier 1 Capital Ratio 23.84 18.097
Total Capital Ratio 24.5 19.169

Timeline for Citizens State Bank

Ganado Bancshares, Inc.

Ganado Bancshares, Inc. became a new parent organization for Citizens State Bank.

View Profile May 08 1985

Citizens State Bank

Citizens State Bank was established 116 years ago and is currently headquartered in Ganado, TX.

Jan 01 1908
Relationships Role Relationship Start Relationship End
Ganado Bancshares, Inc. Parent 5/8/1985
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