Citizens State Bank

BankMiles, Texas
www.citizensstatebk.com

Total Assets

$273.8M

Total Deposits

$244.8M

Branches

2

Established

1937

TFS Health Grade

$
C

73.5 / 100

Average financial health

How we grade

Citizens State Bank is a bank headquartered in Miles, Texas, established in 1937. With $273.8M in total assets and 2 branch locations, it has a TFS Financial Health Grade of C (73.5/100).

Capital & Safety

Tier 1 Capital Ratio
10.10%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
1.00%

Profitability

Return on Assets (ROA)
2.61%(1%)
Return on Equity (ROE)
25.61%(10%)
Net Interest Margin
4.41%
Efficiency Ratio
40.22%(60%)

Lending & Liquidity

Total Loans
$205.7M
Loan-to-Deposit Ratio
82.94%
Net Charge-Off Ratio
0.03%

Growth

Asset Growth (YoY)
+11.87%
Deposit Growth (YoY)
+11.59%
Net Income
$6.8M

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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