Visbanking Logo

Citizens State Bank

Woodville, TX
IDRSSD: 625065
Total Assets
$447.98M
Latest filing
Total Deposits
$392.22M
Latest filing
Net Interest Margin
4.41%
Profitability
0

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

Similar banks

Lamar National Bank
Paris, Texas
→
Assets: $371.07MΔ -0.7%
Peoples State Bank of Hallettsville
Hallettsville, Texas
→
Assets: $370.41MΔ -0.9%
The Commercial National Bank of Brady
Brady, Texas
→
Assets: $370.41MΔ -0.9%
First-Lockhart National Bank
Lockhart, Texas
→
Assets: $378.76MΔ +1.4%
The Yoakum National Bank
Yoakum, Texas
→
Assets: $367.38MΔ -1.7%
First National Bank in Port Lavaca
Port Lavaca, Texas
→
Assets: $366.37MΔ -2.0%

Institution Profile

Institution ClassCommercial bank, state charter, Fed member, supervised by FRB
Primary RegulatorFED
Established Date05/08/1920
Community BankYes
Ownership TypeNot Mutual
ZIP75979
State and County Number48457
Subchapter S CorporationsNo
Trust PowersFull Trust Powers Granted
Federal Reserve ID Number11
Numeric code13
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 Employees60
Domestic Offices6
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date01/13/2023
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
Websitewww.citizensbank.net
Data Updated11/14/2025
CERT12303
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$447.98M
Total Deposits$392.22M
Total Liabilities$398.15M
Total Equity Capital$49.83M
Net Income$747.00k
Net Loans and Leases$302.64M
Assets Per Employee ($Millions)$7.72M
Bank Premises and Fixed Assets$10.33M
Cash and Balances due from Depository Institutions$55.45M
Deposits Held in Domestic Offices$392.22M

Key Performance Ratios

Return on Assets (ROA)0.73%
Return on Equity (ROE)6.31%
Net Interest Margin4.41%
Efficiency Ratio72.42%
Tier 1 Risk-Based Capital Ratio15.689%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.32%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets11.123%
Earning Assets to total Assets93.33%

Income and Expense

Total Interest Income$6.15M
Total Noninterest Income$402.00k
Total Interest Expense$1.95M
Total Noninterest Expense$3.33M
Net Interest Income$4.20M
Pre-tax Net Operating Income$939.00k
Provision for Credit Losses$330.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$300.00k
Other borrowed funds$3.00M
Federal Funds Sold & Reverse Repurchase Agreement$1.00M
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$2.92M
Total Liabilities and Capital$447.98M

Securities

Securities$63.54M
Available-for-sale debt securities$61.54M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$2.00M
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of Citizens State Bank?
$447.98M as of the latest filing.
How much are Citizens State Bank's total deposits?
$392.22M in total deposits.
Where is Citizens State Bank located?
Woodville, TX.
What is the Net Interest Margin?
4.41%.
How many domestic offices does it operate?
6.
When was it established?
05/08/1920.
What is the Return on Assets (ROA)?
0.73%.
How much are total loans and leases?
$302.64M (latest filing).
What is the total interest income (latest filing)?
$6.15M.