Featured Savings Rates
Featured Accounts

Citizens State Bank (12303)

Popular Accounts at this Bank

1.75%5-year CD60 Month Step-Up Rate CD
0.60%1-year CD12 Month CD
0.15%SavingsPersonal Savings Account

Overview / Commentary
102 West Bluff Street
Woodville, TX 75979

Citizens State Bank (12303) is headquartered in Woodville and is the 288th largest bank in the state of Texas. It is also the 3,463rd 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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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

FDIC Certificate #12303
Year Established1920
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD-1.1%
Return on Equity - YTD-13.04%
Annual Interest Income$7.3MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$152.7MM$149.4MM
LoansQ4 2017vs Q4 2016$104.6MM$105.1MM
DepositsQ4 2017vs Q4 2016$131.6MM$134.3MM
Equity CapitalQ4 2017vs Q4 2016$12.4MM$13.7MM
Loan Loss AllowanceQ4 2017vs Q4 2016$961.00K$1.3MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$687.00K$568.00K
Real Estate OwnedQ4 2017vs Q4 2016$18.00K$18.00K
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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

0.15%$100-Personal Savings Account
0.15%--Business Savings

Citizens State Bank (12303) Money Market Rates

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

0.10%$1k-Personal Now Checking
0.10%$500-Classic Now Checking
0.10%$1k-Commercial NOW Checking

Citizens State Bank (12303) CD Rates

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

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

Citizens State Bank (12303) Locations
Marlin Branch101 Live Oak StreetMarlin, TX 76661
Citizens State Bank102 West Bluff StreetWoodville, TX 75979
Spurger Branch103 Fm 92 SouthSpurger, TX 77660
Warren Branch11755 U.S. Highway 69 SouthWarren, TX 77664
Colmesneil Branch101 South Wheeler StreetColmesneil, TX 75938
Detached FacilityReid and West Bluff StreetsWoodville, TX 75979
Waco Branch800 Washington Ave.Waco, TX 76702

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