Citizens State Bank (12501)

Overview / Commentary
1330 W. Commerce Street
Buffalo, TX 75831

Citizens State Bank (12501) is headquartered in Buffalo and is the 64th largest bank in the state of Texas. It is also the 804th largest bank in the nation. It was established in 1925 and as of June of 2019, it had grown to 103 employees at 9 locations. Citizens State Bank (12501)'s CD rates are 90% higher than the national average, and it has an A health rating.

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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!!!

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Health Grade Components

FDIC Certificate #12501
Year Established1925
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.96%
Return on Equity - YTD8.08%
Annual Interest Income$15.9MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$979.5MM$923.1MM
LoansQ2 2019vs Q2 2018$177.9MM$164.2MM
DepositsQ2 2019vs Q2 2018$839.2MM$816.2MM
Equity CapitalQ2 2019vs Q2 2018$123.1MM$103.3MM
Loan Loss AllowanceQ2 2019vs Q2 2018$2.7MM$2.7MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$2.5MM$4.8MM
Real Estate OwnedQ2 2019vs Q2 2018$194.00K$167.00K
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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 (12501) Savings Account Rates

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

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

2.17%$1k$100k11 Month CD
2.17%$100k-11 Month Jumbo CD
2.17%$1k$100kBusiness 11 Month CD
2.17%$100k-Business 11 Month Jumbo CD
2.05%$100k-48 Month Jumbo CD
2.05%$100k-Business 48 Month Jumbo CD
1.92%$1k-48 Month CD
1.92%$100k-36 Month Jumbo CD
1.92%$100k-Business 36 Month Jumbo CD
1.92%$1k-Business 48 Month CD
1.82%$1k-36 Month CD
1.82%$100k-24 Month Jumbo CD
1.82%$100k-Business 24 Month Jumbo CD
1.82%$1k-Business 36 Month CD
1.71%$1k-24 Month CD
1.71%$100k-12 Month Jumbo CD
1.71%$100k-Business 12 Month Jumbo CD
1.71%$1k-Business 24 Month CD
1.61%$1k$100k12 Month CD
1.61%$1k$100kBusiness 12 Month CD
1.51%$100k-18 Month Jumbo CD
1.51%$100k-Business 18 Month Jumbo CD
1.41%$1k-18 Month CD
1.41%$1k-Business 18 Month CD
1.11%$100k-6 Month Jumbo CD
1.11%$100k-Business 6 Month Jumbo CD
1.01%$1k-6 Month CD
1.01%$1k-Business 6 Month CD
0.61%$100k-3 Month Jumbo CD
0.61%$100k-Business 3 Month Jumbo CD
0.51%$1k-3 Month CD
0.51%$1k-Business 3 Month CD

Citizens State Bank (12501) Locations
Hubbard Branch101 Nw 2nd StreetHubbard, TX 76648
Citizens State Bank1330 W. Commerce StreetBuffalo, TX 75831
Itasca Branch201 East Main StreetItasca, TX 76055
Whitney Branch303 S. BosqueWhitney, TX 76692
Centerville Branch400 E. St. Mary's (Highway 7)Centerville, TX 75833
Clifton Texas Branch505 West Fifth StreetClifton, TX 76634
Teague Texas Branch722 Main StreetTeague, TX 75860
Dawson Branch109 N Main StreetDawson, TX 76639
First National Bank Branch409 South Ellis StreetGroesbeck, TX 76642

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