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Citizens State Bank

Corrigan, TX
IDRSSD: 899651
Total Assets
$187.44M
Latest filing
Total Deposits
$166.54M
Latest filing
Net Interest Margin
4.17%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date01/01/1919
Community BankYes
Ownership TypeNot Mutual
ZIP75939
State and County Number48373
Subchapter S CorporationsYes
Trust PowersFull Trust Powers Granted
Federal Reserve ID Number11
Numeric code21
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 Employees30
Domestic Offices2
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
Websitewww.csbanktx.com
Data Updated11/14/2025
CERT11905
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$187.44M
Total Deposits$166.54M
Total Liabilities$167.57M
Total Equity Capital$19.87M
Net Income$876.00k
Net Loans and Leases$121.43M
Assets Per Employee ($Millions)$6.46M
Bank Premises and Fixed Assets$190.00k
Cash and Balances due from Depository Institutions$8.81M
Deposits Held in Domestic Offices$166.54M

Key Performance Ratios

Return on Assets (ROA)1.87%
Return on Equity (ROE)18.14%
Net Interest Margin4.17%
Efficiency Ratio53.06%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.26%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets10.602%
Earning Assets to total Assets95.68%

Income and Expense

Total Interest Income$2.66M
Total Noninterest Income$244.00k
Total Interest Expense$785.00k
Total Noninterest Expense$1.13M
Net Interest Income$1.88M
Pre-tax Net Operating Income$876.00k
Provision for Credit Losses$120.00k
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$6.25M
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$1.03M
Total Liabilities and Capital$187.44M

Securities

Securities$49.32M
Available-for-sale debt securities$49.32M
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?
$187.44M as of the latest filing.
How much are Citizens State Bank's total deposits?
$166.54M in total deposits.
Where is Citizens State Bank located?
Corrigan, TX.
What is the Net Interest Margin?
4.17%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1919.
What is the Return on Assets (ROA)?
1.87%.
How much are total loans and leases?
$121.43M (latest filing).
What is the total interest income (latest filing)?
$2.66M.