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Citizens 1St Bank
Tyler, TX · FDIC Certificate #1715 · Chartered 04/2
Total assets
$810.98M
Total deposits
$615.54M
Total equity
$147.80M
Net loans
$478.98M
Branches (offices)
4
Net income (YTD)
$7.02M
Rank: #1,242 of 4,213 U.S. banks by assets · #109 of 346 in Texas. Assets changed 7.2% and deposits 7.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.71% |
| Return on equity | 9.74% |
| Net interest margin (YTD) | 2.82% |
| Equity to assets | 18.23% |
| Tier 1 leverage ratio | 20.52% |
| Uninsured deposits (share of deposits) | 58.3% |
| Noncurrent loans (share of loans) | 0.53% |
| Net charge-offs (share of loans) | 0.26% |
| Loans to deposits | 77.8% |
| Real estate loans (share of loans) | 96.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $461.09M | 96.3% | |
| Commercial & industrial | $8.98M | 1.9% | |
| Consumer / individual | $5.38M | 1.1% | |
| Construction & development | $79.84M | 16.7% | |
| Agricultural | $59.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $731.82M | $559.34M | $5.50M | $106.95M |
| Jun 2023 | $714.89M | $560.54M | $4.98M | $112.79M |
| Jun 2024 | $728.00M | $537.30M | $3.79M | $119.89M |
| Jun 2025 | $756.31M | $570.35M | $4.97M | $133.82M |
| Jun 2026 | $810.98M | $615.54M | $7.02M | $147.80M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $615.54M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $615.54M.
Similar-sized banks
Minster Bank ($811.60M) · First United Bank ($810.84M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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