Citizens State Bank
Somerville, TX
IDRSSD: 261360
Total Assets
$1.15B
Latest filing
Total Deposits
$990.06M
Latest filing
Net Interest Margin
4.92%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Citizens State Bank
155 8th St
Somerville, TX 77879
Full Service - Brick and Mortar
Updated 11/14/2025Established 06/01/1925FDIC Certificate 10868
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Citizens State Bank (Main) | 155 8th St | Somerville, TX |
| DEANVILLE BRANCH | 6498 Fm 111 Road | Deanville, TX |
| CALDWELL BRANCH | 201 E Buck St | Caldwell, TX |
| BRENHAM BRANCH | 2007 S Day St | Brenham, TX |
| SNOOK BRANCH | 9850 Fm 60 East | Snook, TX |
| NAVASOTA BRANCH | 9109 Highway 90 S | Navasota, TX |
| BURTON STATE BANK BRANCH | 515 N Main St | Burton, TX |
Showing 6 of 6
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 | 06/01/1925 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 77879 |
| State and County Number | 48051 |
| Subchapter S Corporations | No |
| 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 | College Station-Bryan, TX |
Operational Info
| Number of Employees | 155 |
| Domestic Offices | 7 |
| 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 | 12/02/1948 |
| Primary Insurance Agency | DIF |
| Website | http://www.csbtx.bank |
| Data Updated | 11/14/2025 |
| CERT | 16753 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.15B |
| Total Deposits | $990.06M |
| Total Liabilities | $1.01B |
| Total Equity Capital | $142.98M |
| Net Income | $4.49M |
| Net Loans and Leases | $732.13M |
| Assets Per Employee ($Millions) | $7.6M |
| Bank Premises and Fixed Assets | $23.36M |
| Cash and Balances due from Depository Institutions | $134.03M |
| Deposits Held in Domestic Offices | $990.06M |
Key Performance Ratios
| Return on Assets (ROA) | 1.56% |
| Return on Equity (ROE) | 12.86% |
| Net Interest Margin | 4.92% |
| Efficiency Ratio | 52.94% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.41% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.452% |
| Earning Assets to total Assets | 90.02% |
Income and Expense
| Total Interest Income | $16.82M |
| Total Noninterest Income | $1.69M |
| Total Interest Expense | $4.20M |
| Total Noninterest Expense | $7.58M |
| Net Interest Income | $12.63M |
| Pre-tax Net Operating Income | $5.56M |
| Provision for Credit Losses | $1.17M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $405.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $15.17M |
| Total Liabilities and Capital | $1.15B |
Securities
| Securities | $221.80M |
| Available-for-sale debt securities | $212.55M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $8.35M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens State Bank?
$1.15B as of the latest filing.
How much are Citizens State Bank's total deposits?
$990.06M in total deposits.
Where is Citizens State Bank located?
Somerville, TX.
What is the Net Interest Margin?
4.92%.
How many domestic offices does it operate?
7.
When was it established?
06/01/1925.
What is the Return on Assets (ROA)?
1.56%.
How much are total loans and leases?
$732.13M (latest filing).
What is the total interest income (latest filing)?
$16.82M.