Citizens 1st Bank
Tyler, TX
IDRSSD: 869663
Total Assets
$763.40M
Latest filing
Total Deposits
$569.12M
Latest filing
Net Interest Margin
2.69%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Citizens 1st Bank
2001 E Southeast Loop 323
Tyler, TX 75701
Full Service - Brick and Mortar
Updated 11/14/2025Established 04/24/1920FDIC Certificate 1130
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Citizens 1st Bank (Main) | 2001 E Southeast Loop 323 | Tyler, TX |
| JACKSONVILLE BRANCH | 825 S Jackson St | Jacksonville, TX |
| RUSK BRANCH | 125 N Main St | Rusk, TX |
| NACOGDOCHES BRANCH | 3010 N University Dr | Nacogdoches, TX |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 04/24/1920 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 75701 |
| State and County Number | 48423 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 11 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Tyler, TX |
Operational Info
| Number of Employees | 58 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.citizens1stbank.com |
| Data Updated | 11/14/2025 |
| CERT | 1715 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $763.40M |
| Total Deposits | $569.12M |
| Total Liabilities | $619.95M |
| Total Equity Capital | $143.45M |
| Net Income | $2.72M |
| Net Loans and Leases | $469.53M |
| Assets Per Employee ($Millions) | $13.63M |
| Bank Premises and Fixed Assets | $660.00k |
| Cash and Balances due from Depository Institutions | $9.13M |
| Deposits Held in Domestic Offices | $569.12M |
Key Performance Ratios
| Return on Assets (ROA) | 1.43% |
| Return on Equity (ROE) | 7.86% |
| Net Interest Margin | 2.69% |
| Efficiency Ratio | 43.19% |
| Tier 1 Risk-Based Capital Ratio | 37.905% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.07% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 18.791% |
| Earning Assets to total Assets | 98.42% |
Income and Expense
| Total Interest Income | $9.22M |
| Total Noninterest Income | $-4,000 |
| Total Interest Expense | $4.21M |
| Total Noninterest Expense | $2.16M |
| Net Interest Income | $5.01M |
| Pre-tax Net Operating Income | $2.72M |
| Provision for Credit Losses | $125.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $38.84M |
| Federal Funds Sold & Reverse Repurchase Agreement | $304.00k |
| Federal Funds Purchased and Repurchased Agreement | $8.67M |
| All Other Liabilities | $3.33M |
| Total Liabilities and Capital | $763.40M |
Securities
| Securities | $276.11M |
| Available-for-sale debt securities | $275.68M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens 1st Bank?
$763.40M as of the latest filing.
How much are Citizens 1st Bank's total deposits?
$569.12M in total deposits.
Where is Citizens 1st Bank located?
Tyler, TX.
What is the Net Interest Margin?
2.69%.
How many domestic offices does it operate?
4.
When was it established?
04/24/1920.
What is the Return on Assets (ROA)?
1.43%.
How much are total loans and leases?
$469.53M (latest filing).
What is the total interest income (latest filing)?
$9.22M.