Overview / Commentary
Citizens State Bank (22657) is headquartered in Roma and is the 363rd largest bank in the state of Texas. It is also the 4,379th largest bank in the nation. It was established in 1978 and as of December of 2018, it had grown to 32 employees at 3 locations. Citizens State Bank (22657) has a B+ health rating.
Health
B+
Data as of Q4 2018
Learn why bank health mattersAdditional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Citizens State Bank (22657) has a relatively low asset base.
Health Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 22657 |
| Year Established | 1978 |
| Employees | 32 |
| Primary Regulator | FDIC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.74% |
| Return on Equity - YTD | 7.97% |
| Annual Interest Income | $4.2MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2018vs Q4 2017 | $84.2MM$82.6MM |
| Loans | Q4 2018vs Q4 2017 | $44.5MM$38.1MM |
| Deposits | Q4 2018vs Q4 2017 | $71.4MM$69.4MM |
| Equity Capital | Q4 2018vs Q4 2017 | $7.5MM$7.8MM |
| Loan Loss Allowance | Q4 2018vs Q4 2017 | $529.00K$548.00K |
| Unbacked Noncurrent Loans | Q4 2018vs Q4 2017 | $217.00K$228.00K |
| Real Estate Owned | Q4 2018vs Q4 2017 | $92.00K$92.00K |
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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 (22657) Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.75%* | - | $10k | Kasasa Saver | ||
| OTHER TIERS: 0.25% → $10k+ | |||||
Citizens State Bank (22657) Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 2.00%* | - | $10k | Kasasa Cash | ||
| OTHER TIERS: 0.75% → $10k+ | |||||
Locations
| Citizens State Bank (22657) Locations | ||
|---|---|---|
| Citizens State Bank | 1709 Grant Street | Roma, TX 78584 |
| Citizens State Bank Branch | 2801 W. Us Highway 83 | Rio Grande City, TX 78582 |
| Citizens State Bank | 134 S. US Hwy 83 | Zapata, TX 78076 |