Citizens State Bank
Ganado, TX
IDRSSD: 317650
Total Assets
$57.77M
Latest filing
Total Deposits
$54.02M
Latest filing
Net Interest Margin
3.15%
Profitability
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 | 01/01/1908 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 77962 |
| State and County Number | 48239 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 11 |
| Numeric code | 21 |
| Insured by FDIC | Institution closed or not insured by FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 13 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 05/30/2025 |
| Date of Deposit Insurance | 08/29/1950 |
| Primary Insurance Agency | DIF |
| Website | N/A |
| Data Updated | 11/28/2025 |
| CERT | 16934 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $57.77M |
| Total Deposits | $54.02M |
| Total Liabilities | $54.30M |
| Total Equity Capital | $3.46M |
| Net Income | $-39,000 |
| Net Loans and Leases | $10.12M |
| Assets Per Employee ($Millions) | $4.44M |
| Bank Premises and Fixed Assets | $1.07M |
| Cash and Balances due from Depository Institutions | $12.32M |
| Deposits Held in Domestic Offices | $54.02M |
Key Performance Ratios
| Return on Assets (ROA) | -0.28% |
| Return on Equity (ROE) | -4.67% |
| Net Interest Margin | 3.15% |
| Efficiency Ratio | 111.23% |
| Tier 1 Risk-Based Capital Ratio | 30.656% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 5.997% |
| Earning Assets to total Assets | 92.13% |
Income and Expense
| Total Interest Income | $531.00k |
| Total Noninterest Income | $39.00k |
| Total Interest Expense | $116.00k |
| Total Noninterest Expense | $505.00k |
| Net Interest Income | $415.00k |
| Pre-tax Net Operating Income | $-51,000 |
| Provision for Credit Losses | $0 |
| 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 | $277.00k |
| Total Liabilities and Capital | $57.77M |
Securities
| Securities | $33.05M |
| Available-for-sale debt securities | $33.05M |
| 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?
$57.77M as of the latest filing.
How much are Citizens State Bank's total deposits?
$54.02M in total deposits.
Where is Citizens State Bank located?
Ganado, TX.
What is the Net Interest Margin?
3.15%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1908.
What is the Return on Assets (ROA)?
-0.28%.
How much are total loans and leases?
$10.12M (latest filing).
What is the total interest income (latest filing)?
$531.00k.