Vitals
  • Total Assets
    149.4M -9.2 %
  • Total Deposits
    134.3M 2.8 %
  • Total Net Loans
    105.1M -3.9 %
  • Net Income
    1.6M 49.2 %
  • Book Value
    13.7M 10.7 %
  • Book Value x2
    27.4M 10.7 %
  • Book Value x3
    41.1M 10.7 %
ROAA

.988

ROAE

12.327

Efficiency Ratio

71.139

Net Interest Margin

4.64

Balance Sheet Highlights
Financial Highlights Citizens State Bank All Insured Commercial Banks in Texas
Balance Sheet $(000)
Total Assets 149,401 358,087
Total Net Loans 105,144 213,533
Total Deposits 134,279 308,027
Total Equity 13,710 38,740
Profitability
Net Income 1,641 3,845
Return on Average Assets .988 1.025
Return on Average Equity 12.327 9.415
Net Interest Margin 4.64 3.773
Efficiency Ratio 71.139 66.762
Noninterest Income/Revenue 13.542 16.375
Balance Sheet Ratios
Loan-to-Deposit 78.303 65.494
Securities/Assets .222 .214
Total Equity/Total Assets .092 .108
Tangible Equity/Tangible Assets .092 .104
Capital Adequacy
Tier 1 Common Capital 14,101 37,278
Tier 1 Capital 14,101 37,303
Tier 2 Capital 1,200 2,526
Total Capital 15,301 39,866
Total Risk Weighted Assets 95,949 237,367
Leverage Ratio 8.34 10.563
Common Equity Tier 1 Capital Ratio 14.7 18.073
Tier 1 Capital Ratio 14.7 18.097
Total Capital Ratio 15.95 19.169

Timeline for Citizens State Bank

Citizens Properties, Inc.

Citizens Properties, Inc. became a new subsidiary organization for Citizens State Bank.

View Profile Jan 23 2008

Tcat, Inc.

Tcat, Inc. became a new subsidiary organization for Citizens State Bank.

View Profile Jun 22 2005

Citizens Compliance Services, Inc.

Citizens Compliance Services, Inc. became a new subsidiary organization for Citizens State Bank.

View Profile May 06 2003

Citizens Financial Advisors, Inc

Citizens Financial Advisors, Inc became a new subsidiary organization for Citizens State Bank.

View Profile Oct 09 2001

First State Bank Of Marlin

Acquisition: Citizens State Bank acquired a new subsidiary, First State Bank Of Marlin, 31 years

View Profile Jan 01 1993

Want to see more?

Complete timeline for Citizens State Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
First State Bank Of Marlin Seller 33,289 Discontinued 1/1/1993
Relationships Role Relationship Start Relationship End
Security Bancshares, Inc. Parent 2/17/1983
Citizens Mortgage Corporation Subsidary 6/30/2007
Citizens Properties, Inc. Subsidary 1/23/2008 6/26/2009
Tcat, Inc. Subsidary 6/30/2007 3/27/2009
Citizens Compliance Services, Inc. Subsidary 5/6/2003 3/9/2009
Citizens Credit Corporation Subsidary 5/1/1987 3/6/2009
Citizens Financial Advisors, Inc Subsidary 10/9/2001 3/6/2009
Citizens Mortgage Corporation Subsidary 3/10/2006 6/29/2007
Tcat, Inc. Subsidary 6/22/2005 6/29/2007
Citizens Mortgage Corporation Subsidary 5/1/1987 8/31/2001
Citizens Landing Holding Corp Subsidary 2/17/1982 12/11/1984
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