Citizens Bank

BankAmarillo, Texas
www.gocitizensbank.com

Total Assets

$302.8M

Total Deposits

$268.5M

Branches

4

Established

1904

TFS Health Grade

$
B-

81.1 / 100

Good financial health

How we grade

Citizens Bank is a bank headquartered in Amarillo, Texas, established in 1904. With $302.8M in total assets and 4 branch locations, it has a TFS Financial Health Grade of B- (81.1/100).

Capital & Safety

Tier 1 Capital Ratio
9.83%(8%)
Total Capital Ratio
16.05%(10%)
Non-Performing Loan Ratio
0.00%

Profitability

Return on Assets (ROA)
2.53%(1%)
Return on Equity (ROE)
25.35%(10%)
Net Interest Margin
4.64%
Efficiency Ratio
43.44%(60%)

Lending & Liquidity

Total Loans
$178.2M
Loan-to-Deposit Ratio
65.83%
Net Charge-Off Ratio
0.00%

Growth

Asset Growth (YoY)
+18.20%
Deposit Growth (YoY)
+19.10%
Net Income
$7.0M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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