Citizens State Bank (12303)

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 274^th largest bank in the state of Texas. It is also the 3,322^nd largest bank in the nation. It was established in 1920 and as of June of 2019, it had grown to 46 employees at 8 locations. Citizens State Bank (12303)'s money market rates are 2X the national average, and it has an A health rating.

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Health

Data as of Q2 2019

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Health Grade Components

Overall
FDIC Certificate #	12303
Year Established	1920
Employees	46
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.72%
Return on Equity - YTD	7.82%
Annual Interest Income	$3.6MM

Assets and Liabilities
Assets	Q2 2019vs Q2 2018	$153.0MM$143.0MM
Loans	Q2 2019vs Q2 2018	$98.7MM$97.9MM
Deposits	Q2 2019vs Q2 2018	$138.0MM$129.7MM
Equity Capital	Q2 2019vs Q2 2018	$14.3MM$12.6MM
Loan Loss Allowance	Q2 2019vs Q2 2018	$910.00K$955.00K
Unbacked Noncurrent Loans	Q2 2019vs Q2 2018	$847.00K$453.00K
Real Estate Owned	Q2 2019vs Q2 2018	$66.00K$18.00K

Rates

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Savings
Money Market
Checking
CD
IRA

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Always verify rates and promotions with the bank or credit union. We are not Citizens State Bank (12303); we are a rate comparison website and cannot provide official rates or promotions.

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

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

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
0.91%^*^†	$50k^*	-	Vision Money Market
OTHER TIERS: 0.41% → $2k - $5k \| 0.50% → $5k - $10k \| 0.58% → $10k - $25k \| 0.83% → $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
2.28%^†	$1k	-	60 Month CD
2.28%^†	$5k	-	60 Month Step-Up Rate CD
2.28%^†	$1k	-	Business 60 Month CD
2.28%^†	$5k	-	Business 60 Month Step-Up Rate CD
1.77%^†	$1k	-	48 Month CD
1.77%^†	$5k	-	48 Month Step-Up Rate CD
1.77%^†	$1k	-	Business 48 Month CD
1.77%^†	$5k	-	Business 48 Month Step-Up Rate CD
1.56%^†	$1k	-	36 Month CD
1.56%^†	$5k	-	36 Month Step-Up Rate CD
1.56%^†	$1k	-	Business 36 Month CD
1.56%^†	$5k	-	Business 36 Month Step-Up Rate CD
1.46%^†	$1k	-	30 Month CD
1.46%^†	$1k	-	Business 30 Month CD
1.41%^†	$1k	-	24 Month CD
1.41%^†	$1k	-	Business 24 Month CD
1.21%^†	$1k	-	18 Month CD
1.21%^†	$1k	-	Business 18 Month CD
1.16%^†	$1k	-	12 Month CD
1.16%^†	$1k	-	Business 12 Month CD
0.85%^†	$1k	-	180 - 364 Day CD
0.85%^†	$1k	-	Business 180 - 364 Day CD
0.60%^†	$25	-	12 Month Asset Builder CD
0.60%^†	$25	-	Business 12 Month Asset Builder CD
0.55%^†	$1k	-	90 - 179 Day CD
0.55%^†	$1k	-	Business 90 - 179 Day CD
0.25%^†	$1k	-	7 - 89 Day CD
0.25%^†	$1k	-	Business 7 - 89 Day CD

Citizens State Bank (12303) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.77%^†	$1k	-	60 Month IRA
1.65%^†	$1k	-	48 Month IRA
1.50%^†	$1k	-	36 Month IRA
1.20%^†	$1k	-	30 Month IRA
1.15%^†	$1k	-	24 Month IRA
1.00%^†	$1k	-	18 Month IRA
0.80%^†	$1k	-	12 Month IRA
0.50%^†	$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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