Citizens Bank, National Association
Abilene, TX
IDRSSD: 617051
Total Assets
$131.72M
Latest filing
Total Deposits
$116.56M
Latest filing
Net Interest Margin
3.66%
Profitability
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, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/01/1923 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 79602 |
| State and County Number | 48441 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 11 |
| Numeric code | 3 |
| Insured by FDIC | Institution closed or not insured by FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Abilene, TX |
Operational Info
| Number of Employees | 20 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2025 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | N/A |
| Data Updated | 11/28/2025 |
| CERT | 12309 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $131.72M |
| Total Deposits | $116.56M |
| Total Liabilities | $117.01M |
| Total Equity Capital | $14.71M |
| Net Income | $454.00k |
| Net Loans and Leases | $73.58M |
| Assets Per Employee ($Millions) | $6.59M |
| Bank Premises and Fixed Assets | $2.22M |
| Cash and Balances due from Depository Institutions | $8.63M |
| Deposits Held in Domestic Offices | $116.56M |
Key Performance Ratios
| Return on Assets (ROA) | 1.38% |
| Return on Equity (ROE) | 12.33% |
| Net Interest Margin | 3.66% |
| Efficiency Ratio | 61.91% |
| Tier 1 Risk-Based Capital Ratio | 13.272% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.168% |
| Earning Assets to total Assets | 90.19% |
Income and Expense
| Total Interest Income | $1.67M |
| Total Noninterest Income | $106.00k |
| Total Interest Expense | $586.00k |
| Total Noninterest Expense | $738.00k |
| Net Interest Income | $1.09M |
| Pre-tax Net Operating Income | $454.00k |
| Provision for Credit Losses | $0 |
| 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 | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $453.00k |
| Total Liabilities and Capital | $131.72M |
Securities
| Securities | $39.37M |
| Available-for-sale debt securities | $39.37M |
| 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 Bank, National Association?
$131.72M as of the latest filing.
How much are Citizens Bank, National Association's total deposits?
$116.56M in total deposits.
Where is Citizens Bank, National Association located?
Abilene, TX.
What is the Net Interest Margin?
3.66%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1923.
What is the Return on Assets (ROA)?
1.38%.
How much are total loans and leases?
$73.58M (latest filing).
What is the total interest income (latest filing)?
$1.67M.