Citizens State Bank (12501)

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Based on 1 review

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CURRENT TOP RATE

9 Month CD Special

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 75^th largest bank in the state of Texas. It is also the 834^th largest bank in the nation. It was established in 1925 and as of March of 2023, it had grown to 116 employees at 12 locations. Citizens State Bank (12501)'s CD rates are 5X the national average, but it has a F health rating.

Related Posts

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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

Reviews (1)

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Citizen State Bank Of Buffalo - Itasca Branch

Posted by: Solddaboat | Nov 8, 2019

Citizen State Bank of Buffalo - Itasca Branch

Started moving my savings to CD's there because of the great rates..... but found some of the friendliest people to deal with in years... Probably that way at all of the branches... rural Texas at it finest.. You can pretty much, once you have signed the original paperwork, deal with them over the phone or by mail.. so for me banking outside of DFW metromess has not been an issue.

Also opened IRA for my wife at an even better rate than the CD's...

Comment

5

Health

F

Data as of Q1 2023

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	12501
Year Established	1925
Employees	116
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.91%
Return on Equity - YTD	0%
Annual Interest Income	$10.8MM

Assets and Liabilities
Assets	Q1 2023vs Q1 2022	$1.25B$1.30B
Loans	Q1 2023vs Q1 2022	$278.9MM$262.9MM
Deposits	Q1 2023vs Q1 2022	$1.18B$1.22B
Equity Capital	Q1 2023vs Q1 2022	($24,437,000)$73.4MM
Loan Loss Allowance	Q1 2023vs Q1 2022	$3.9MM$4.4MM
Unbacked Noncurrent Loans	Q1 2023vs Q1 2022	$332.00K$415.00K
Real Estate Owned	Q1 2023vs Q1 2022	$0$0

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
2.50%	-	-	IRA
0.43%	-	-	Savings Account
0.43%^*	$10k^*	-	Health Savings Account
OTHER TIERS: 0.15% → Up to $5k \| 0.33% → $5k - $10k
0.43%	-	-	Business Savings Account

Citizens State Bank (12501) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.40%^*	$250k^*	-	Preferred Investment Account
OTHER TIERS: 0.15% → $1k - $25k \| 0.20% → $25k - $50k \| 0.25% → $50k - $100k \| 0.35% → $100k - $250k
0.40%^*	$250k^*	-	Commercial Preferred Investment Account
OTHER TIERS: 0.15% → $1k - $25k \| 0.20% → $25k - $50k \| 0.25% → $50k - $100k \| 0.35% → $100k - $250k
0.20%	-	-	NOW Account

Citizens State Bank (12501) CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
5.00%	$1k	-	9 Month CD Special
5.00%	$100k	-	9 Month Jumbo CD Special
5.00%	$1k	-	Business 9 Month CD Special
5.00%	$100k	-	Business 9 Month Jumbo CD Special
4.50%	$100k	-	12 Month Jumbo CD
4.50%	$100k	-	Business 12 Month Jumbo CD
4.40%	$1k	$100k	12 Month CD
4.40%	$1k	$100k	Business 12 Month CD
1.21%	$100k	-	24 Month Jumbo CD
1.21%	$100k	-	36 Month Jumbo CD
1.21%	$100k	-	48 Month Jumbo CD
1.21%	$100k	-	Business 24 Month Jumbo CD
1.21%	$100k	-	Business 36 Month Jumbo CD
1.21%	$100k	-	Business 48 Month Jumbo CD
1.16%	$100k	-	18 Month Jumbo CD
1.16%	$100k	-	Business 18 Month Jumbo CD
1.11%	$1k	-	24 Month CD
1.11%	$1k	-	36 Month CD
1.11%	$1k	-	48 Month CD
1.11%	$1k	-	Business 24 Month CD
1.11%	$1k	-	Business 36 Month CD
1.11%	$1k	-	Business 48 Month CD
1.06%	$1k	-	18 Month CD
1.06%	$1k	-	Business 18 Month CD
0.70%	$100k	-	6 Month Jumbo CD
0.70%	$100k	-	Business 6 Month Jumbo CD
0.60%	$1k	-	6 Month CD
0.60%	$100k	-	3 Month Jumbo CD
0.60%	$100k	-	Business 3 Month Jumbo CD
0.60%	$1k	-	Business 6 Month CD
0.50%	$1k	-	3 Month CD
0.50%	$1k	-	Business 3 Month CD

Locations

Cities: Buffalo, Centerville, Clifton, Dawson, Groesbeck, Hubbard, Itasca, Teague, West, Whitney

Buffalo Branches
Citizens State Bank	1330 W Commerce St	Buffalo, TX 75831

Centerville Branches
Centerville Branch	400 E. St. Mary's (Highway 7)	Centerville, TX 75833

Clifton Branches
Clifton Texas Branch	505 West Fifth Street	Clifton, TX 76634

Dawson Branches
Dawson Branch	109 N Main Street	Dawson, TX 76639

Groesbeck Branches
First National Bank Branch	409 South Ellis Street	Groesbeck, TX 76642

Hubbard Branches
Hubbard Branch	101 Nw 2nd Street	Hubbard, TX 76648

Itasca Branches
Itasca Branch	201 East Main Street	Itasca, TX 76055

Teague Branches
Teague Texas Branch	722 Main Street	Teague, TX 75860

West Branches
West Branch	100 North Main Street	West, TX 76691

Whitney Branches
Whitney Branch	303 S Bosque St	Whitney, TX 76692

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