Citizens State Bank
Sealy, TX
IDRSSD: 523161
Total Assets
$450.18M
Latest filing
Total Deposits
$402.40M
Latest filing
Net Interest Margin
3.23%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Citizens State Bank
222 Main St
Sealy, TX 77474
Full Service - Brick and Mortar
Updated 11/14/2025Established 08/12/1907FDIC Certificate 11243
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| Citizens State Bank (Main) | 222 Main St | Sealy, TX | ||
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
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 | 08/12/1907 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 77474 |
| State and County Number | 48015 |
| 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 | Houston-The Woodlands-Sugar Land, TX |
Operational Info
| Number of Employees | 33 |
| Domestic Offices | 1 |
| 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 | 04/24/1953 |
| Primary Insurance Agency | DIF |
| Website | www.csbsealy.com |
| Data Updated | 11/14/2025 |
| CERT | 17214 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $450.18M |
| Total Deposits | $402.40M |
| Total Liabilities | $406.81M |
| Total Equity Capital | $43.37M |
| Net Income | $1.62M |
| Net Loans and Leases | $277.40M |
| Assets Per Employee ($Millions) | $12.5M |
| Bank Premises and Fixed Assets | $1.91M |
| Cash and Balances due from Depository Institutions | $6.07M |
| Deposits Held in Domestic Offices | $402.40M |
Key Performance Ratios
| Return on Assets (ROA) | 1.47% |
| Return on Equity (ROE) | 15.73% |
| Net Interest Margin | 3.23% |
| Efficiency Ratio | 46.12% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| 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 | 9.634% |
| Earning Assets to total Assets | 96.82% |
Income and Expense
| Total Interest Income | $5.47M |
| Total Noninterest Income | $266.00k |
| Total Interest Expense | $2.02M |
| Total Noninterest Expense | $1.72M |
| Net Interest Income | $3.46M |
| Pre-tax Net Operating Income | $1.96M |
| Provision for Credit Losses | $43.00k |
| 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 | $13.32M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.41M |
| Total Liabilities and Capital | $450.18M |
Securities
| Securities | $144.64M |
| Available-for-sale debt securities | $144.64M |
| 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?
$450.18M as of the latest filing.
How much are Citizens State Bank's total deposits?
$402.40M in total deposits.
Where is Citizens State Bank located?
Sealy, TX.
What is the Net Interest Margin?
3.23%.
How many domestic offices does it operate?
1.
When was it established?
08/12/1907.
What is the Return on Assets (ROA)?
1.47%.
How much are total loans and leases?
$277.40M (latest filing).
What is the total interest income (latest filing)?
$5.47M.