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Citizens State Bank (12501)

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Overview / Commentary

citizensstatebanktx.com

903-322-4256

1330 W. Commerce Street
Buffalo, TX 75831

Citizens State Bank (12501) is headquartered in Buffalo and is the 65^th largest bank in the state of Texas. It is also the 816^th largest bank in the nation. It was established in 1925 and as of March of 2019, it had grown to 101 employees at 9 locations. Citizens State Bank (12501)'s CD rates are 2X the national average, and it has an A health rating.

Related Posts

CITIZENS STATE BANK (Texas) IRA Savings Increase From 2.12% To 2.63% APY - 12/4/2018

This Texas bank increased their IRA Savings rate today to 2.60% (2.63% APY). Min to open is $100; min to maintain is $0.01. Love their staff!!! https://citizensstatebanktx.com/Rates-Fees/Deposit-Rates

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2018
2012

12/4 - CITIZENS STATE BANK (Texas) IRA Savings Increase From 2.12% To 2.63% APY

1/4 - Competitive CD Rates South of Dallas at Citizens State Bank

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Health

A

Data as of Q1 2019

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Health Grade Components

Overall
FDIC Certificate #	12501
Year Established	1925
Employees	101
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.97%
Return on Equity - YTD	8.49%
Annual Interest Income	$7.9MM

Assets and Liabilities
Assets	Q1 2019vs Q1 2018	$962.7MM$922.8MM
Loans	Q1 2019vs Q1 2018	$171.3MM$152.4MM
Deposits	Q1 2019vs Q1 2018	$844.7MM$814.1MM
Equity Capital	Q1 2019vs Q1 2018	$113.0MM$105.5MM
Loan Loss Allowance	Q1 2019vs Q1 2018	$2.6MM$2.6MM
Unbacked Noncurrent Loans	Q1 2019vs Q1 2018	$4.0MM$3.6MM
Real Estate Owned	Q1 2019vs Q1 2018	$167.00K$199.00K

Rates

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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 (12501) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.63%	-	-	IRA
0.54%	-	-	Savings Account
0.54%	-	-	Business Savings Account
0.50%^*	$10k^*	-	Health Savings Account
OTHER TIERS: 0.10% → Up to $5k \| 0.40% → $5k - $10k

Citizens State Bank (12501) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.79%^*	$250k^*	-	Preferred Investment Account
OTHER TIERS: 0.19% → $1k - $25k \| 0.26% → $25k - $50k \| 0.57% → $50k - $100k \| 0.74% → $100k - $250k
0.79%^*	$250k^*	-	Commercial Preferred Investment Account
OTHER TIERS: 0.19% → $1k - $25k \| 0.26% → $25k - $50k \| 0.57% → $50k - $100k \| 0.74% → $100k - $250k
0.25%	-	-	NOW Account
0.25%	-	-	Commercial NOW Account

Citizens State Bank (12501) CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.63%	$1k	$100k	11 Month CD
2.63%	$100k	-	11 Month Jumbo CD
2.63%	$1k	$100k	Business 11 Month CD
2.63%	$100k	-	Business 11 Month Jumbo CD
2.33%	$100k	-	48 Month Jumbo CD
2.33%	$100k	-	Business 48 Month Jumbo CD
2.22%	$1k	-	48 Month CD
2.22%	$100k	-	36 Month Jumbo CD
2.22%	$100k	-	Business 36 Month Jumbo CD
2.22%	$1k	-	Business 48 Month CD
2.12%	$1k	-	36 Month CD
2.12%	$100k	-	24 Month Jumbo CD
2.12%	$100k	-	Business 24 Month Jumbo CD
2.12%	$1k	-	Business 36 Month CD
2.02%	$1k	-	24 Month CD
2.02%	$100k	-	12 Month Jumbo CD
2.02%	$100k	-	Business 12 Month Jumbo CD
2.02%	$1k	-	Business 24 Month CD
1.92%	$1k	$100k	12 Month CD
1.92%	$1k	$100k	Business 12 Month CD
1.82%	$100k	-	18 Month Jumbo CD
1.82%	$100k	-	Business 18 Month Jumbo CD
1.71%	$1k	-	18 Month CD
1.71%	$1k	-	Business 18 Month CD
1.21%	$100k	-	6 Month Jumbo CD
1.21%	$100k	-	Business 6 Month Jumbo CD
1.11%	$1k	-	6 Month CD
1.11%	$1k	-	Business 6 Month CD
0.71%	$100k	-	3 Month Jumbo CD
0.71%	$100k	-	Business 3 Month Jumbo CD
0.61%	$1k	-	3 Month CD
0.61%	$1k	-	Business 3 Month CD

Locations

Citizens State Bank (12501) Locations
Hubbard Branch	101 Nw 2nd Street	Hubbard, TX 76648
Citizens State Bank	1330 W. Commerce Street	Buffalo, TX 75831
Itasca Branch	201 East Main Street	Itasca, TX 76055
Whitney Branch	303 S. Bosque	Whitney, TX 76692
Centerville Branch	400 E. St. Mary's (Highway 7)	Centerville, TX 75833
Clifton Texas Branch	505 West Fifth Street	Clifton, TX 76634
Teague Texas Branch	722 Main Street	Teague, TX 75860
Dawson Branch	109 N Main Street	Dawson, TX 76639
First National Bank Branch	409 South Ellis Street	Groesbeck, TX 76642

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