Citizens State Bank

BankSomerville, Texas
http://www.csbtx.bank

Total Assets

$1.2B

Total Deposits

$1.0B

Branches

7

Established

1925

TFS Health Grade

$
D+

69.3 / 100

Below average financial health

How we grade

Citizens State Bank is a bank headquartered in Somerville, Texas, established in 1925. With $1.2B in total assets and 7 branch locations, it has a TFS Financial Health Grade of D+ (69.3/100).

Capital & Safety

Tier 1 Capital Ratio
12.47%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
2.44%

Profitability

Return on Assets (ROA)
1.77%(1%)
Return on Equity (ROE)
14.82%(10%)
Net Interest Margin
4.72%
Efficiency Ratio
51.89%(60%)

Lending & Liquidity

Total Loans
$750.3M
Loan-to-Deposit Ratio
70.85%
Net Charge-Off Ratio
0.10%

Growth

Asset Growth (YoY)
+9.95%
Deposit Growth (YoY)
+8.99%
Net Income
$20.2M

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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