Overview / Commentary
956-849-2311
1709 Grant Street
Roma, TX 78584

Citizens State Bank (22657) is headquartered in Roma and is the 370th largest bank in the state of Texas. It is also the 4,434th largest bank in the nation. It was established in 1978 and as of September of 2018, it had grown to 30 employees at 3 locations. Citizens State Bank (22657) has a B+ health rating.

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Health
B+
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 Established1978
Employees30
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.63%
Return on Equity - YTD6.73%
Annual Interest Income$3.1MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$82.6MM$81.6MM
LoansQ3 2018vs Q3 2017$39.4MM$39.3MM
DepositsQ3 2018vs Q3 2017$70.1MM$68.1MM
Equity CapitalQ3 2018vs Q3 2017$7.8MM$8.5MM
Loan Loss AllowanceQ3 2018vs Q3 2017$576.00K$486.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$157.00K$166.00K
Real Estate OwnedQ3 2018vs Q3 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%*-$10kKasasa Saver
OTHER TIERS: 0.25% $10k+

Citizens State Bank (22657) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*-$10kKasasa Cash
OTHER TIERS: 0.75% $10k+
Locations


Citizens State Bank (22657) Locations
Citizens State Bank1709 Grant StreetRoma, 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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