Citizens 1st Bank

BankTyler, Texas
www.citizens1stbank.com

Total Assets

$819.8M

Total Deposits

$621.9M

Branches

4

Established

1920

TFS Health Grade

$
B-

81.6 / 100

Good financial health

How we grade

Citizens 1st Bank is a bank headquartered in Tyler, Texas, established in 1920. With $819.8M in total assets and 4 branch locations, it has a TFS Financial Health Grade of B- (81.6/100).

Capital & Safety

Tier 1 Capital Ratio
20.28%(8%)
Total Capital Ratio
37.58%(10%)
Non-Performing Loan Ratio
1.06%

Profitability

Return on Assets (ROA)
1.24%(1%)
Return on Equity (ROE)
7.21%(10%)
Net Interest Margin
2.61%
Efficiency Ratio
46.80%(60%)

Lending & Liquidity

Total Loans
$479.6M
Loan-to-Deposit Ratio
76.63%
Net Charge-Off Ratio
-0.00%

Growth

Asset Growth (YoY)
+6.73%
Deposit Growth (YoY)
+5.19%
Net Income
$9.7M

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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