Citizens State Bank (22657)

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Overview / Commentary

csbroma.com

956-849-2311

1709 Grant Street
Roma, TX 78584

Citizens State Bank (22657) is headquartered in Roma and is the 363^rd largest bank in the state of Texas. It is also the 4,379^th 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.

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Health

B+

Data as of Q4 2018

Learn why bank health matters

Additional 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

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 (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

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