Citizens 1st Bank
Tyler, TX
IDRSSD: 869663
Total Assets
$819.77M
Latest filing
Total Deposits
$621.88M
Latest filing
Net Interest Margin
2.76%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
113119396TYLER, TX
Key People
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Locations
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Main Office
Citizens 1st Bank
2001 E Southeast Loop 323
Tyler, TX 75701
Full Service - Brick and Mortar
Updated 01/30/2026Established 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 | 56 |
| 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 | 01/30/2026 |
| CERT | 1715 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $819.77M |
| Total Deposits | $621.88M |
| Total Liabilities | $679.38M |
| Total Equity Capital | $140.39M |
| Net Income | $1.96M |
| Net Loans and Leases | $476.55M |
| Assets Per Employee ($Millions) | $14.13M |
| Bank Premises and Fixed Assets | $634.00k |
| Cash and Balances due from Depository Institutions | $59.60M |
| Deposits Held in Domestic Offices | $621.88M |
Key Performance Ratios
| Return on Assets (ROA) | 0.99% |
| Return on Equity (ROE) | 5.54% |
| Net Interest Margin | 2.76% |
| Efficiency Ratio | 48.67% |
| Tier 1 Risk-Based Capital Ratio | 36.894% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.43% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 17.125% |
| Earning Assets to total Assets | 98.19% |
Income and Expense
| Total Interest Income | $9.63M |
| Total Noninterest Income | $126.00k |
| Total Interest Expense | $4.26M |
| Total Noninterest Expense | $2.67M |
| Net Interest Income | $5.36M |
| Pre-tax Net Operating Income | $1.96M |
| Provision for Credit Losses | $856.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $43.69M |
| Federal Funds Sold & Reverse Repurchase Agreement | $59.00k |
| Federal Funds Purchased and Repurchased Agreement | $10.41M |
| All Other Liabilities | $3.40M |
| Total Liabilities and Capital | $819.77M |
Securities
| Securities | $274.16M |
| Available-for-sale debt securities | $273.72M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$819.77M as of the latest filing.
How much are Citizens 1st Bank's total deposits?
$621.88M in total deposits.
Where is Citizens 1st Bank located?
Tyler, TX.
What is the Net Interest Margin?
2.76%.
How many domestic offices does it operate?
4.
When was it established?
04/24/1920.
What is the Return on Assets (ROA)?
0.99%.
How much are total loans and leases?
$476.55M (latest filing).
What is the total interest income (latest filing)?
$9.63M.