Vitals
  • Total Assets
    889.3M 14.0 %
  • Total Deposits
    795.1M 15.4 %
  • Total Net Loans
    137.0M 22.7 %
  • Net Income
    9.4M -7.1 %
  • Book Value
    91.3M 5.0 %
  • Book Value x2
    182.7M 5.0 %
  • Book Value x3
    274.0M 5.0 %
ROAA

1.153

ROAE

9.757

Efficiency Ratio

45.621

Net Interest Margin

3.27

Balance Sheet Highlights
Financial Highlights Citizens State Bank All Insured Commercial Banks in Texas
Balance Sheet $(000)
Total Assets 889,311 358,087
Total Net Loans 136,992 213,533
Total Deposits 795,122 308,027
Total Equity 91,328 38,740
Profitability
Net Income 9,402 3,845
Return on Average Assets 1.153 1.025
Return on Average Equity 9.757 9.415
Net Interest Margin 3.27 3.773
Efficiency Ratio 45.621 66.762
Noninterest Income/Revenue 6.76 16.375
Balance Sheet Ratios
Loan-to-Deposit 17.229 65.494
Securities/Assets .79 .214
Total Equity/Total Assets .103 .108
Tangible Equity/Tangible Assets .096 .104
Capital Adequacy
Tier 1 Common Capital 91,491 37,278
Tier 1 Capital 91,491 37,303
Tier 2 Capital 2,108 2,526
Total Capital 93,599 39,866
Total Risk Weighted Assets 323,728 237,367
Leverage Ratio 10.55 10.563
Common Equity Tier 1 Capital Ratio 28.26 18.073
Tier 1 Capital Ratio 28.26 18.097
Total Capital Ratio 28.91 19.169

Timeline for Citizens State Bank

First National Bank

Acquisition: Citizens State Bank acquired a new subsidiary, First National Bank, 7 years

View Profile Oct 01 2016

First Bank & Trust Company

Acquisition: Citizens State Bank acquired a new subsidiary, First Bank & Trust Company, 7 years

View Profile Jul 16 2016

Industry Bancshares, Inc.

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

View Profile Jan 01 2011

Industry Holdings, Inc.

Industry Holdings, Inc. became a new parent organization for Citizens State Bank.

View Profile Mar 04 1998

Citizens-Texas Banc Shares, Inc.

Citizens-Texas Banc Shares, Inc. became a new parent organization for Citizens State Bank.

View Profile Oct 01 1979

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 National Bank Seller 53,915 Acquisition Discontinued 10/1/2016
First Bank & Trust Company Seller 37,994 Acquisition Discontinued 7/16/2016
Relationships Role Relationship Start Relationship End
Industry Bancshares, Inc. Parent 1/1/2011
Industry Holdings, Inc. Parent 3/4/1998 12/31/2010
Citizens-Texas Banc Shares, Inc. Parent 10/1/1979 8/11/1988
Bison Five Company Parent 12/31/1970 9/30/1979
Bison Five Company Parent 4/8/1968 12/30/1970
Similar Organizations
Organization City State Total Assets
The Morrill And Janes Bank And Trust Company
 		Merriam KS 862.8M
Aimbank
 		Littlefield TX 831.1M
First Western Trust Bank
 		Denver CO 859.0M
Toyota Financial Savings Bank
 		Henderson NV 857.6M
First Bank & Trust
 		Lubbock TX 863.1M
Valley View State Bank
 		Overland Park KS 860.2M
First Bank And Trust
 		New Orleans LA 818.6M
The Nodaway Valley Bank
 		Maryville MO 840.2M
First State Bank Of The Florida Keys
 		Key West FL 868.0M
Charter Bank
 		Eau Claire WI 837.5M