Citizens Bank
Kilgore, TX
IDRSSD: 744854
Total Assets
$511.75M
Latest filing
Total Deposits
$433.74M
Latest filing
Net Interest Margin
4.56%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
111320006ABILENE, TX
Key People
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Locations
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Main Office
Citizens Bank
301 E Main St
Kilgore, TX 75662
Full Service - Brick and Mortar
Updated 01/30/2026Established 07/24/1949FDIC Certificate 10922
Branches (11)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Citizens Bank (Main) | 301 E Main St | Kilgore, TX |
| CENTER BRANCH | 104 Austin St | Center, TX |
| GLADEWATER BRANCH | 678 N Main St | Gladewater, TX |
| CARTHAGE BRANCH | 425 Northwest Loop 436 | Carthage, TX |
| GLADEWATER BRANCH | 1409 Broadway Ave | Gladewater, TX |
| YORKTOWN BRANCH | 311 E Main St | Yorktown, TX |
| HUMBLE BRANCH | 8811 Fm 1960 Bypass Rd W | Humble, TX |
| KOUNTZE BRANCH | 1055 S Pine St | Kountze, TX |
Showing 7 of 11
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 non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 07/24/1949 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 75662 |
| State and County Number | 48183 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 11 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Longview, TX |
Operational Info
| Number of Employees | 103 |
| Domestic Offices | 12 |
| 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 | 07/24/1949 |
| Primary Insurance Agency | DIF |
| Website | http://WWW.CITIZENSBANKTX.COM |
| Data Updated | 01/30/2026 |
| CERT | 16817 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $511.75M |
| Total Deposits | $433.74M |
| Total Liabilities | $436.87M |
| Total Equity Capital | $74.87M |
| Net Income | $1.44M |
| Net Loans and Leases | $312.64M |
| Assets Per Employee ($Millions) | $4.97M |
| Bank Premises and Fixed Assets | $10.76M |
| Cash and Balances due from Depository Institutions | $79.40M |
| Deposits Held in Domestic Offices | $433.74M |
Key Performance Ratios
| Return on Assets (ROA) | 1.14% |
| Return on Equity (ROE) | 7.81% |
| Net Interest Margin | 4.56% |
| Efficiency Ratio | 77.32% |
| Tier 1 Risk-Based Capital Ratio | 21.026% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.89% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 14.631% |
| Earning Assets to total Assets | 95.31% |
Income and Expense
| Total Interest Income | $7.16M |
| Total Noninterest Income | $2.43M |
| Total Interest Expense | $1.67M |
| Total Noninterest Expense | $6.12M |
| Net Interest Income | $5.49M |
| Pre-tax Net Operating Income | $2.92M |
| Provision for Credit Losses | $-1,125,000 |
| 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 | $40.82M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.13M |
| Total Liabilities and Capital | $511.75M |
Securities
| Securities | $62.92M |
| Available-for-sale debt securities | $62.76M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $158.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens Bank?
$511.75M as of the latest filing.
How much are Citizens Bank's total deposits?
$433.74M in total deposits.
Where is Citizens Bank located?
Kilgore, TX.
What is the Net Interest Margin?
4.56%.
How many domestic offices does it operate?
12.
When was it established?
07/24/1949.
What is the Return on Assets (ROA)?
1.14%.
How much are total loans and leases?
$312.64M (latest filing).
What is the total interest income (latest filing)?
$7.16M.