Citizens State Bank (12303)

Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
1.75%	5-year CD	60 Month Step-Up Rate CD 2.50% - Ally Bank High Yield 5 Year CD
0.60%	1-year CD	12 Month CD 2.10% - Goldman Sachs Bank USA High-yield 12 Month CD
0.15%	Savings	Personal Savings Account 1.30% - Nationwide Bank Online Savings Account

View all Citizens State Bank (12303) rates »

Overview / Commentary

www.citizensbank.net

409-283-2561

102 West Bluff Street
Woodville, TX 75979

Citizens State Bank (12303) is headquartered in Woodville and is the 288^th largest bank in the state of Texas. It is also the 3,463^rd largest bank in the nation. It was established in 1920 and as of December of 2017, it had grown to 54 employees at 7 locations. Citizens State Bank (12303)'s money market rates are 11% higher than the national average, and it has a B health rating.

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Health

B

Data as of Q4 2017

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Citizens State Bank (12303) has a negative return on equity.

Health Grade Components

Overall
FDIC Certificate #	12303
Year Established	1920
Employees	54
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	-1.1%
Return on Equity - YTD	-13.04%
Annual Interest Income	$7.3MM

Assets and Liabilities
Assets	Q4 2017vs Q4 2016	$152.7MM$149.4MM
Loans	Q4 2017vs Q4 2016	$104.6MM$105.1MM
Deposits	Q4 2017vs Q4 2016	$131.6MM$134.3MM
Equity Capital	Q4 2017vs Q4 2016	$12.4MM$13.7MM
Loan Loss Allowance	Q4 2017vs Q4 2016	$961.00K$1.3MM
Unbacked Noncurrent Loans	Q4 2017vs Q4 2016	$687.00K$568.00K
Real Estate Owned	Q4 2017vs Q4 2016	$18.00K$18.00K

Rates

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Money Market
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Citizens State Bank (12303) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.15%	$100	-	Personal Savings Account
0.15%	-	-	Business Savings

Citizens State Bank (12303) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.49%^*	$50k^*	-	Vision Money Market
OTHER TIERS: 0.22% → $2k - $5k \| 0.27% → $5k - $10k \| 0.31% → $10k - $25k \| 0.45% → $25k - $50k

Citizens State Bank (12303) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%	$1k	-	Personal Now Checking
0.10%	$500	-	Classic Now Checking
0.10%	$1k	-	Commercial NOW Checking

Citizens State Bank (12303) CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.75%	$1k	-	60 Month CD
1.75%	$5k	-	60 Month Step-Up Rate CD
1.75%	$1k	-	Business 60 Month CD
1.75%	$5k	-	Business 60 Month Step-Up Rate CD
1.25%	$1k	-	48 Month CD
1.25%	$5k	-	48 Month Step-Up Rate CD
1.25%	$1k	-	Business 48 Month CD
1.25%	$5k	-	Business 48 Month Step-Up Rate CD
1.05%	$1k	-	36 Month CD
1.05%	$5k	-	36 Month Step-Up Rate CD
1.05%	$1k	-	Business 36 Month CD
1.05%	$5k	-	Business 36 Month Step-Up Rate CD
0.90%	$1k	-	30 Month CD
0.90%	$1k	-	Business 30 Month CD
0.85%	$1k	-	24 Month CD
0.85%	$1k	-	Business 24 Month CD
0.70%	$1k	-	18 Month CD
0.70%	$1k	-	Business 18 Month CD
0.60%	$25	-	Asset Builder CD
0.60%	$1k	-	12 Month CD
0.60%	$25	-	Business Asset Builder CD
0.60%	$1k	-	Business 12 Month CD
0.40%	$1k	-	180 - 364 Day CD
0.40%	$1k	-	Business 180 - 364 Day CD
0.15%	$1k	-	7 - 89 Day CD
0.15%	$1k	-	90 - 179 Day CD
0.15%	$1k	-	Business 7 - 89 Day CD
0.15%	$1k	-	Business 90 - 179 Day CD

Citizens State Bank (12303) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.75%	$1k	-	60 Month IRA
1.25%	$1k	-	48 Month IRA
1.05%	$1k	-	36 Month IRA
0.90%	$1k	-	30 Month IRA
0.85%	$1k	-	24 Month IRA
0.70%	$1k	-	18 Month IRA
0.60%	$1k	-	12 Month IRA
0.40%	$1k	-	180 - 364 Day IRA

Locations

Citizens State Bank (12303) Locations
Marlin Branch	101 Live Oak Street	Marlin, TX 76661
Citizens State Bank	102 West Bluff Street	Woodville, TX 75979
Spurger Branch	103 Fm 92 South	Spurger, TX 77660
Warren Branch	11755 U.S. Highway 69 South	Warren, TX 77664
Colmesneil Branch	101 South Wheeler Street	Colmesneil, TX 75938
Detached Facility	Reid and West Bluff Streets	Woodville, TX 75979
Waco Branch	800 Washington Ave.	Waco, TX 76702

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