Vitals
  • Total Assets
    41.4M -4.1 %
  • Total Deposits
    31.0M 3.0 %
  • Total Net Loans
    8.2M 4.2 %
  • Net Income
    102000.0000 37.8 %
  • Book Value
    9.5M 4.7 %
  • Book Value x2
    19.0M 4.7 %
  • Book Value x3
    28.5M 4.7 %
ROAA

.311

ROAE

1.479

Efficiency Ratio

85.518

Net Interest Margin

2.201

Balance Sheet Highlights
Financial Highlights Citizens State Bank All Insured Commercial Banks in Texas
Balance Sheet $(000)
Total Assets 41,424 306,053
Total Net Loans 8,162 169,503
Total Deposits 30,979 263,383
Total Equity 9,507 32,311
Profitability
Net Income 102 2,516
Return on Average Assets .311 1.057
Return on Average Equity 1.479 10.228
Net Interest Margin 2.201 3.765
Efficiency Ratio 85.518 67.76
Noninterest Income/Revenue 20.697 16.56
Balance Sheet Ratios
Loan-to-Deposit 26.347 60.838
Securities/Assets .657 .241
Total Equity/Total Assets .23 .106
Tangible Equity/Tangible Assets .125 .101
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 5,609 30,369
Tier 2 Capital 170 2,046
Total Capital 5,779 32,434
Total Risk Weighted Assets 13,517 188,219
Leverage Ratio 14.64 10.235
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 41.5 18.323
Total Capital Ratio 42.75 19.389

Timeline for Citizens State Bank

First Bank & Trust

Citizens State Bank was acquired by First Bank & Trust 9 years

View Profile Nov 15 2014

Baylor Bancshares, Inc.

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

View Profile Feb 10 2007

Baylor/Delaware Corporation

Baylor/Delaware Corporation became a new parent organization for Citizens State Bank.

View Profile Feb 22 2002

Citizens State Bank

Citizens State Bank was established 117 years ago and is currently headquartered in Princeton, TX.

Jan 01 1907
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
First Bank & Trust Buyer 170,622 Pooling of Interests Discontinued 11/15/2014
Relationships Role Relationship Start Relationship End
Baylor Bancshares, Inc. Parent 2/10/2007 11/14/2014
Baylor/Delaware Corporation Parent 2/22/2002 2/9/2007
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