Citizens State Bank
Woodville, TX
IDRSSD: 625065
Total Assets
$462.83M
Latest filing
Total Deposits
$401.04M
Latest filing
Net Interest Margin
4.48%
Profitability
Key People
Loading leadership data...
Locations
Main office and branches. Select to view on the map.
Main Office
Citizens State Bank
102 W Bluff St
Woodville, TX 75979
Full Service - Brick and Mortar
Updated 01/30/2026Established 05/08/1920FDIC Certificate 7822
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Citizens State Bank (Main) | 102 W Bluff St | Woodville, TX |
| DETACHED BRANCH FACILITY | 102 W Bluff St | Woodville, TX |
| WARREN BRANCH | 11755 Us Highway 69 S | Warren, TX |
| MARLIN BRANCH | 101 Live Oak St | Marlin, TX |
| VALLEY RANCH BRANCH | 22410 Us Hwy 59 | Porter, TX |
| AUSTIN BRANCH | 2009 S Capital Of Texas Hwy | Austin, TX |
Showing 5 of 5
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
Shelby Savings Bank, SSB
Center, Texas
→
Assets: $449.01MΔ +0.2%
Citizens State Bank
Sealy, Texas
→
Assets: $450.18MΔ +0.5%
The Liberty National Bank in Paris
Paris, Texas
→
Assets: $443.57MΔ -1.0%
Austin County State Bank
Bellville, Texas
→
Assets: $443.10MΔ -1.1%
Texas Champion Bank
Corpus Christi, Texas
→
Assets: $441.93MΔ -1.4%
MCBank
Goldthwaite, Texas
→
Assets: $454.26MΔ +1.4%
Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 05/08/1920 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 75979 |
| State and County Number | 48457 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 11 |
| Numeric code | 13 |
| 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 | 58 |
| Domestic Offices | 6 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 01/13/2023 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.citizensbank.net |
| Data Updated | 01/30/2026 |
| CERT | 12303 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $462.83M |
| Total Deposits | $401.04M |
| Total Liabilities | $404.82M |
| Total Equity Capital | $58.01M |
| Net Income | $596.00k |
| Net Loans and Leases | $346.98M |
| Assets Per Employee ($Millions) | $7.71M |
| Bank Premises and Fixed Assets | $10.24M |
| Cash and Balances due from Depository Institutions | $29.26M |
| Deposits Held in Domestic Offices | $401.04M |
Key Performance Ratios
| Return on Assets (ROA) | 0.52% |
| Return on Equity (ROE) | 4.42% |
| Net Interest Margin | 4.48% |
| Efficiency Ratio | 73.21% |
| Tier 1 Risk-Based Capital Ratio | 16.119% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.55% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.534% |
| Earning Assets to total Assets | 93.79% |
Income and Expense
| Total Interest Income | $6.92M |
| Total Noninterest Income | $273.00k |
| Total Interest Expense | $2.15M |
| Total Noninterest Expense | $3.69M |
| Net Interest Income | $4.77M |
| Pre-tax Net Operating Income | $720.00k |
| Provision for Credit Losses | $630.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $250.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $1.00M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.78M |
| Total Liabilities and Capital | $462.83M |
Securities
| Securities | $59.84M |
| Available-for-sale debt securities | $57.84M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$462.83M as of the latest filing.
How much are Citizens State Bank's total deposits?
$401.04M in total deposits.
Where is Citizens State Bank located?
Woodville, TX.
What is the Net Interest Margin?
4.48%.
How many domestic offices does it operate?
6.
When was it established?
05/08/1920.
What is the Return on Assets (ROA)?
0.52%.
How much are total loans and leases?
$346.98M (latest filing).
What is the total interest income (latest filing)?
$6.92M.