Citizens State Bank (22657)

Overview / Commentary
1709 Grant Street
Roma, TX 78584

Citizens State Bank (22657) is headquartered in ROMA and is the 339th largest bank in the state of Texas. It is also the 3,991st largest bank in the nation. It was established in 1978 and as of September of 2023, it had grown to 25 employees at 2 locations. Citizens State Bank (22657) has a B health rating.


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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

FDIC Certificate #22657
Year Established1978
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD-0.12%
Return on Equity - YTD-1.74%
Annual Interest Income$3MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$86.9MM$83.1MM
LoansQ3 2023vs Q3 2022$43.7MM$45MM
DepositsQ3 2023vs Q3 2022$81.1MM$74.4MM
Equity CapitalQ3 2023vs Q3 2022$5.5MM$5.9MM
Loan Loss AllowanceQ3 2023vs Q3 2022$575K$607K
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$522K$384K
Real Estate OwnedQ3 2023vs Q3 2022$34K$0
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Citizens State Bank (22657) Savings Account Rates

0.30%-$10kKasasa Saver

Citizens State Bank (22657) Checking Account Rates

0.75%*-$10kKasasa Cash Checking
OTHER TIERS: 0.25% $10k+

Citizens State Bank (22657) Locations
Citizens State Bank1709 N Grant StRoma, TX 78584
Citizens State Bank Branch2801 W. Us Highway 83Rio Grande City, TX 78582
Citizens State Bank134 S. US Hwy 83Zapata, TX 78076

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