Citizens State Bank (12501)

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

Citizens State Bank (12501) is headquartered in BUFFALO and is the 75th largest bank in the state of Texas. It is also the 834th 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.

Reviews (1)

Citizen State Bank Of Buffalo - Itasca Branch

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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...


Health Grade Components

FDIC Certificate #12501
Year Established1925
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.91%
Return on Equity - YTD0%
Annual Interest Income$10.8MM
Assets and Liabilities
AssetsQ1 2023vs Q1 2022$1.25B$1.30B
LoansQ1 2023vs Q1 2022$278.9MM$262.9MM
DepositsQ1 2023vs Q1 2022$1.18B$1.22B
Equity CapitalQ1 2023vs Q1 2022($24,437,000)$73.4MM
Loan Loss AllowanceQ1 2023vs Q1 2022$3.9MM$4.4MM
Unbacked Noncurrent LoansQ1 2023vs Q1 2022$332.00K$415.00K
Real Estate OwnedQ1 2023vs Q1 2022$0$0
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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

0.43%--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

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

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$100k12 Month CD
4.40%$1k$100kBusiness 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

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

Buffalo Branches
Citizens State Bank1330 W Commerce StBuffalo, TX 75831

Centerville Branches
Centerville Branch400 E. St. Mary's (Highway 7)Centerville, TX 75833

Clifton Branches
Clifton Texas Branch505 West Fifth StreetClifton, TX 76634

Dawson Branches
Dawson Branch109 N Main StreetDawson, TX 76639

Groesbeck Branches
First National Bank Branch409 South Ellis StreetGroesbeck, TX 76642

Hubbard Branches
Hubbard Branch101 Nw 2nd StreetHubbard, TX 76648

Itasca Branches
Itasca Branch201 East Main StreetItasca, TX 76055

Teague Branches
Teague Texas Branch722 Main StreetTeague, TX 75860

West Branches
West Branch100 North Main StreetWest, TX 76691

Whitney Branches
Whitney Branch303 S Bosque StWhitney, TX 76692

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