Vitals
  • Total Assets
    251.0M 2.4 %
  • Total Deposits
    224.1M 2.9 %
  • Total Net Loans
    95.0M 6.9 %
  • Net Income
    3.1M 7.2 %
  • Book Value
    24.3M -2.1 %
  • Book Value x2
    48.5M -2.1 %
  • Book Value x3
    72.8M -2.1 %
ROAA

1.293

ROAE

12

Efficiency Ratio

49.433

Net Interest Margin

3.539

Balance Sheet Highlights
Financial Highlights Citizens State Bank All Insured Commercial Banks in Texas
Balance Sheet $(000)
Total Assets 251,044 358,087
Total Net Loans 95,013 213,533
Total Deposits 224,135 308,027
Total Equity 24,253 38,740
Profitability
Net Income 3,138 3,845
Return on Average Assets 1.293 1.025
Return on Average Equity 12 9.415
Net Interest Margin 3.539 3.773
Efficiency Ratio 49.433 66.762
Noninterest Income/Revenue 7.86 16.375
Balance Sheet Ratios
Loan-to-Deposit 42.391 65.494
Securities/Assets .557 .214
Total Equity/Total Assets .097 .108
Tangible Equity/Tangible Assets .097 .104
Capital Adequacy
Tier 1 Common Capital 26,108 37,278
Tier 1 Capital 26,108 37,303
Tier 2 Capital 1,089 2,526
Total Capital 27,197 39,866
Total Risk Weighted Assets 112,145 237,367
Leverage Ratio 10.53 10.563
Common Equity Tier 1 Capital Ratio 23.28 18.073
Tier 1 Capital Ratio 23.28 18.097
Total Capital Ratio 24.25 19.169

Timeline for Citizens State Bank

First City Bancorporation Of Texas, Inc.

First City Bancorporation Of Texas, Inc. became a new parent organization for Citizens State Bank.

View Profile May 09 1956

Citizens State Bank

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

Aug 12 1907
Relationships Role Relationship Start Relationship End
First City Bancorporation Of Texas, Inc. Parent 4/19/1988 7/2/1995
First City Bancorporation Of Texas, Inc. Parent 5/9/1956 4/18/1988
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