Citizens State Bank
Miles, TX
IDRSSD: 296755
Total Assets
$273.77M
Latest filing
Total Deposits
$244.81M
Latest filing
Net Interest Margin
4.31%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Citizens State Bank
111 S Robinson St
Miles, TX 76861
Full Service - Brick and Mortar
Updated 01/30/2026Established 08/02/1937FDIC Certificate 9817
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Citizens State Bank (Main) | 111 S Robinson St | Miles, TX |
| 329 WEST HARRIS BRANCH | 329 W Harris Ave | San Angelo, TX |
Showing 1 of 1
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 | 08/02/1937 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 76861 |
| State and County Number | 48399 |
| 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 | N/A |
Operational Info
| Number of Employees | 22 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 03/27/2024 |
| Date of Deposit Insurance | 08/02/1937 |
| Primary Insurance Agency | DIF |
| Website | www.citizensstatebk.com |
| Data Updated | 01/30/2026 |
| CERT | 15519 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $273.77M |
| Total Deposits | $244.81M |
| Total Liabilities | $245.56M |
| Total Equity Capital | $28.21M |
| Net Income | $1.79M |
| Net Loans and Leases | $203.04M |
| Assets Per Employee ($Millions) | $11.41M |
| Bank Premises and Fixed Assets | $1.71M |
| Cash and Balances due from Depository Institutions | $40.48M |
| Deposits Held in Domestic Offices | $244.81M |
Key Performance Ratios
| Return on Assets (ROA) | 2.59% |
| Return on Equity (ROE) | 25.68% |
| Net Interest Margin | 4.31% |
| Efficiency Ratio | 39.44% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.09% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.305% |
| Earning Assets to total Assets | 95.95% |
Income and Expense
| Total Interest Income | $4.44M |
| Total Noninterest Income | $190.00k |
| Total Interest Expense | $1.58M |
| Total Noninterest Expense | $1.20M |
| Net Interest Income | $2.86M |
| Pre-tax Net Operating Income | $1.79M |
| Provision for Credit Losses | $60.00k |
| 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 | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $749.00k |
| Total Liabilities and Capital | $273.77M |
Securities
| Securities | $20.86M |
| Available-for-sale debt securities | $20.86M |
| 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 State Bank?
$273.77M as of the latest filing.
How much are Citizens State Bank's total deposits?
$244.81M in total deposits.
Where is Citizens State Bank located?
Miles, TX.
What is the Net Interest Margin?
4.31%.
How many domestic offices does it operate?
2.
When was it established?
08/02/1937.
What is the Return on Assets (ROA)?
2.59%.
How much are total loans and leases?
$203.04M (latest filing).
What is the total interest income (latest filing)?
$4.44M.