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Citizens State Bank

Miles, TX
IDRSSD: 296755
Total Assets
$278.51M
Latest filing
Total Deposits
$250.41M
Latest filing
Net Interest Margin
4.27%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date08/02/1937
Community BankYes
Ownership TypeNot Mutual
ZIP76861
State and County Number48399
Subchapter S CorporationsYes
Trust PowersN/A
Federal Reserve ID Number11
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictDallas
Core Based Statistical Area NameN/A

Operational Info

Number of Employees23
Domestic Offices2
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date03/27/2024
Date of Deposit Insurance08/02/1937
Primary Insurance AgencyDIF
Websitewww.citizensstatebk.com
Data Updated11/14/2025
CERT15519
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$278.51M
Total Deposits$250.41M
Total Liabilities$251.06M
Total Equity Capital$27.45M
Net Income$1.63M
Net Loans and Leases$203.37M
Assets Per Employee ($Millions)$12.66M
Bank Premises and Fixed Assets$1.38M
Cash and Balances due from Depository Institutions$46.54M
Deposits Held in Domestic Offices$250.41M

Key Performance Ratios

Return on Assets (ROA)2.43%
Return on Equity (ROE)24.12%
Net Interest Margin4.27%
Efficiency Ratio42.79%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.09%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets9.856%
Earning Assets to total Assets96.36%

Income and Expense

Total Interest Income$4.30M
Total Noninterest Income$197.00k
Total Interest Expense$1.54M
Total Noninterest Expense$1.26M
Net Interest Income$2.76M
Pre-tax Net Operating Income$1.63M
Provision for Credit Losses$60.00k
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$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$646.00k
Total Liabilities and Capital$278.51M

Securities

Securities$19.81M
Available-for-sale debt securities$19.81M
Equity securities with readily determinable fair values not held for trading$0
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 State Bank?
$278.51M as of the latest filing.
How much are Citizens State Bank's total deposits?
$250.41M in total deposits.
Where is Citizens State Bank located?
Miles, TX.
What is the Net Interest Margin?
4.27%.
How many domestic offices does it operate?
2.
When was it established?
08/02/1937.
What is the Return on Assets (ROA)?
2.43%.
How much are total loans and leases?
$203.37M (latest filing).
What is the total interest income (latest filing)?
$4.30M.