Citizens State Bank
Roma, TX
IDRSSD: 804860
Total Assets
$78.76M
Latest filing
Total Deposits
$68.39M
Latest filing
Net Interest Margin
3.77%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Citizens State Bank
1709 N Grant St
Roma, TX 78584
Full Service - Brick and Mortar
Updated 11/14/2025Established 05/15/1978FDIC Certificate 15811
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Citizens State Bank (Main) | 1709 N Grant St | Roma, TX |
| CITIZENS STATE BANK BRANCH | 2801 W Us Highway 83 | Rio Grande City, 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 | 05/15/1978 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 78584 |
| State and County Number | 48427 |
| 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 | Rio Grande City-Roma, TX |
Operational Info
| Number of Employees | 23 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/04/2025 |
| Date of Deposit Insurance | 05/15/1978 |
| Primary Insurance Agency | DIF |
| Website | https://www.csbroma.com |
| Data Updated | 11/14/2025 |
| CERT | 22657 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $78.76M |
| Total Deposits | $68.39M |
| Total Liabilities | $71.37M |
| Total Equity Capital | $7.39M |
| Net Income | $-46,000 |
| Net Loans and Leases | $36.65M |
| Assets Per Employee ($Millions) | $3.94M |
| Bank Premises and Fixed Assets | $4.48M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $68.39M |
Key Performance Ratios
| Return on Assets (ROA) | -0.23% |
| Return on Equity (ROE) | -2.57% |
| Net Interest Margin | 3.77% |
| Efficiency Ratio | 105.44% |
| Tier 1 Risk-Based Capital Ratio | 21.871% |
| 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 | 9.385% |
| Earning Assets to total Assets | 90.22% |
Income and Expense
| Total Interest Income | $1.05M |
| Total Noninterest Income | $180.00k |
| Total Interest Expense | $389.00k |
| Total Noninterest Expense | $891.00k |
| Net Interest Income | $665.00k |
| Pre-tax Net Operating Income | $-46,000 |
| Provision for Credit Losses | $0 |
| 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 | $2.75M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $227.00k |
| Total Liabilities and Capital | $78.76M |
Securities
| Securities | $29.15M |
| Available-for-sale debt securities | $28.57M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $575.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens State Bank?
$78.76M as of the latest filing.
How much are Citizens State Bank's total deposits?
$68.39M in total deposits.
Where is Citizens State Bank located?
Roma, TX.
What is the Net Interest Margin?
3.77%.
How many domestic offices does it operate?
2.
When was it established?
05/15/1978.
What is the Return on Assets (ROA)?
-0.23%.
How much are total loans and leases?
$36.65M (latest filing).
What is the total interest income (latest filing)?
$1.05M.