Citizens Bank
Amarillo, TX
IDRSSD: 885252
Total Assets
$302.81M
Latest filing
Total Deposits
$268.55M
Latest filing
Net Interest Margin
4.42%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Citizens Bank
4117 S Georgia St
Amarillo, TX 79110
Full Service - Brick and Mortar
Updated 01/30/2026Established 02/04/1904FDIC Certificate 2010
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Citizens Bank (Main) | 4117 S Georgia St | Amarillo, TX |
| TUCUMCARI BRANCH | 211 E Main St | Tucumcari, NM |
| TULIA BRANCH | 200 N Maxwell Ave | Tulia, TX |
| CLAUDE BRANCH | 101 N Trice St | Claude, 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 non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 02/04/1904 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 79110 |
| State and County Number | 48381 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| 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 | Amarillo, TX |
Operational Info
| Number of Employees | 23 |
| 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.gocitizensbank.com |
| Data Updated | 01/30/2026 |
| CERT | 3140 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $302.81M |
| Total Deposits | $268.55M |
| Total Liabilities | $273.33M |
| Total Equity Capital | $29.48M |
| Net Income | $1.82M |
| Net Loans and Leases | $176.78M |
| Assets Per Employee ($Millions) | $12.62M |
| Bank Premises and Fixed Assets | $3.23M |
| Cash and Balances due from Depository Institutions | $83.54M |
| Deposits Held in Domestic Offices | $268.55M |
Key Performance Ratios
| Return on Assets (ROA) | 2.43% |
| Return on Equity (ROE) | 25.01% |
| Net Interest Margin | 4.42% |
| Efficiency Ratio | 42.93% |
| Tier 1 Risk-Based Capital Ratio | 15.332% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.04% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.736% |
| Earning Assets to total Assets | 95.35% |
Income and Expense
| Total Interest Income | $4.87M |
| Total Noninterest Income | $106.00k |
| Total Interest Expense | $1.74M |
| Total Noninterest Expense | $1.39M |
| Net Interest Income | $3.13M |
| Pre-tax Net Operating Income | $1.82M |
| Provision for Credit Losses | $30.00k |
| 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 | $3.10M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.69M |
| Total Liabilities and Capital | $302.81M |
Securities
| Securities | $30.53M |
| Available-for-sale debt securities | $30.53M |
| 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?
$302.81M as of the latest filing.
How much are Citizens Bank's total deposits?
$268.55M in total deposits.
Where is Citizens Bank located?
Amarillo, TX.
What is the Net Interest Margin?
4.42%.
How many domestic offices does it operate?
4.
When was it established?
02/04/1904.
What is the Return on Assets (ROA)?
2.43%.
How much are total loans and leases?
$176.78M (latest filing).
What is the total interest income (latest filing)?
$4.87M.