Vitals
  • Total Assets
    128.5M -0.9 %
  • Total Deposits
    114.9M -0.6 %
  • Total Net Loans
    66.8M -1.1 %
  • Net Income
    2.6M 5.6 %
  • Book Value
    12.7M -4.0 %
  • Book Value x2
    25.4M -4.0 %
  • Book Value x3
    38.1M -4.0 %
ROAA

1.955

ROAE

18.811

Efficiency Ratio

53.565

Net Interest Margin

4.299

Balance Sheet Highlights
Financial Highlights Citizens State Bank All Insured Commercial Banks in Texas
Balance Sheet $(000)
Total Assets 128,514 358,087
Total Net Loans 66,774 213,533
Total Deposits 114,900 308,027
Total Equity 12,713 38,740
Profitability
Net Income 2,560 3,845
Return on Average Assets 1.955 1.025
Return on Average Equity 18.811 9.415
Net Interest Margin 4.299 3.773
Efficiency Ratio 53.565 66.762
Noninterest Income/Revenue 13.41 16.375
Balance Sheet Ratios
Loan-to-Deposit 58.115 65.494
Securities/Assets .373 .214
Total Equity/Total Assets .099 .108
Tangible Equity/Tangible Assets .099 .104
Capital Adequacy
Tier 1 Common Capital 13,750 37,278
Tier 1 Capital 13,750 37,303
Tier 2 Capital 740 2,526
Total Capital 14,490 39,866
Total Risk Weighted Assets 73,426 237,367
Leverage Ratio 10.65 10.563
Common Equity Tier 1 Capital Ratio 18.73 18.073
Tier 1 Capital Ratio 18.73 18.097
Total Capital Ratio 19.73 19.169

Timeline for Citizens State Bank

First Bank

Acquisition: Citizens State Bank acquired a new subsidiary, First Bank, 16 years

View Profile Feb 02 2008

Citizens State Financial Corporation

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

View Profile Aug 10 1981

Citizens State Bank

Citizens State Bank was established 105 years ago and is currently headquartered in Corrigan, TX.

Jan 01 1919
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
First Bank Seller 38,364 Pooling of Interests Discontinued 2/2/2008
Relationships Role Relationship Start Relationship End
Citizens State Financial Corporation Parent 8/10/1981
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