Citizens Bank
Kilgore, TX
IDRSSD: 744854
Total Assets
$499.03M
Latest filing
Total Deposits
$422.69M
Latest filing
Net Interest Margin
4.38%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Citizens Bank
301 E Main St
Kilgore, TX 75662
Full Service - Brick and Mortar
Updated 11/14/2025Established 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
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
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 | 11/14/2025 |
| CERT | 16817 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $499.03M |
| Total Deposits | $422.69M |
| Total Liabilities | $426.43M |
| Total Equity Capital | $72.61M |
| Net Income | $1.21M |
| Net Loans and Leases | $307.81M |
| Assets Per Employee ($Millions) | $4.84M |
| Bank Premises and Fixed Assets | $10.98M |
| Cash and Balances due from Depository Institutions | $86.16M |
| Deposits Held in Domestic Offices | $422.69M |
Key Performance Ratios
| Return on Assets (ROA) | 0.98% |
| Return on Equity (ROE) | 6.77% |
| Net Interest Margin | 4.38% |
| Efficiency Ratio | 70.84% |
| Tier 1 Risk-Based Capital Ratio | 22.504% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.06% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 14.549% |
| Earning Assets to total Assets | 95.23% |
Income and Expense
| Total Interest Income | $6.80M |
| Total Noninterest Income | $414.00k |
| Total Interest Expense | $1.67M |
| Total Noninterest Expense | $3.93M |
| Net Interest Income | $5.13M |
| Pre-tax Net Operating Income | $1.54M |
| Provision for Credit Losses | $75.00k |
| 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 | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $17.65M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.73M |
| Total Liabilities and Capital | $499.03M |
Securities
| Securities | $70.39M |
| Available-for-sale debt securities | $70.22M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $173.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens Bank?
$499.03M as of the latest filing.
How much are Citizens Bank's total deposits?
$422.69M in total deposits.
Where is Citizens Bank located?
Kilgore, TX.
What is the Net Interest Margin?
4.38%.
How many domestic offices does it operate?
12.
When was it established?
07/24/1949.
What is the Return on Assets (ROA)?
0.98%.
How much are total loans and leases?
$307.81M (latest filing).
What is the total interest income (latest filing)?
$6.80M.