Vitals
  • Total Assets
    311.2M 0.1 %
  • Total Deposits
    219.9M 1.3 %
  • Total Net Loans
    282.9M 1.4 %
  • Net Income
    4.9M 13.0 %
  • Book Value
    38.0M -0.3 %
  • Book Value x2
    76.0M -0.3 %
  • Book Value x3
    114.0M -0.3 %
ROAA

1.518

ROAE

13.365

Efficiency Ratio

52.586

Net Interest Margin

4.122

Balance Sheet Highlights
Financial Highlights Citizens State Bank All Insured Commercial Banks in Texas
Balance Sheet $(000)
Total Assets 311,224 358,087
Total Net Loans 282,933 213,533
Total Deposits 219,879 308,027
Total Equity 38,014 38,740
Profitability
Net Income 4,889 3,845
Return on Average Assets 1.518 1.025
Return on Average Equity 13.365 9.415
Net Interest Margin 4.122 3.773
Efficiency Ratio 52.586 66.762
Noninterest Income/Revenue 15.66 16.375
Balance Sheet Ratios
Loan-to-Deposit 128.677 65.494
Securities/Assets .014 .214
Total Equity/Total Assets .122 .108
Tangible Equity/Tangible Assets .122 .104
Capital Adequacy
Tier 1 Common Capital 38,086 37,278
Tier 1 Capital 38,086 37,303
Tier 2 Capital 3,183 2,526
Total Capital 41,269 39,866
Total Risk Weighted Assets 278,591 237,367
Leverage Ratio 11.84 10.563
Common Equity Tier 1 Capital Ratio 13.67 18.073
Tier 1 Capital Ratio 13.67 18.097
Total Capital Ratio 14.81 19.169

Timeline for Citizens State Bank

Chandler Bancorp Of Nevada, Inc.

Chandler Bancorp Of Nevada, Inc. became a new parent organization for Citizens State Bank.

View Profile Mar 25 2002

Bank Of East Texas

Acquisition: Citizens State Bank acquired a new subsidiary, Bank Of East Texas, 33 years

View Profile Jun 22 1990

Chandler Bancorp, Inc.

Chandler Bancorp, Inc. became a new parent organization for Citizens State Bank.

View Profile Feb 10 1984

Citizens State Bank

Citizens State Bank was established 56 years ago and is currently headquartered in Tyler, TX.

Nov 13 1967
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Bank Of East Texas Seller 11,049 Failure 6/22/1990
Relationships Role Relationship Start Relationship End
Chandler Bancorp Of Nevada, Inc. Parent 3/25/2002
Chandler Bancorp, Inc. Parent 2/10/1984 3/24/2002
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