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Citizens Bank
Amarillo, TX · FDIC Certificate #3140 · Chartered 02/0
Total assets
$309.77M
Total deposits
$273.43M
Total equity
$30.45M
Net loans
$173.54M
Branches (offices)
4
Net income (YTD)
$3.47M
Rank: #2,419 of 4,213 U.S. banks by assets · #207 of 346 in Texas. Assets changed 13.9% and deposits 15.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.27% |
| Return on equity | 23.21% |
| Net interest margin (YTD) | 4.14% |
| Equity to assets | 9.83% |
| Tier 1 leverage ratio | 10.07% |
| Uninsured deposits (share of deposits) | 30.2% |
| Noncurrent loans (share of loans) | 0.01% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 63.5% |
| Real estate loans (share of loans) | 37.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $64.24M | 37.0% | |
| Commercial & industrial | $12.54M | 7.2% | |
| Consumer / individual | $419.00K | 0.2% | |
| Construction & development | $155.00K | 0.1% | |
| Agricultural | $97.83M | 56.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $228.14M | $203.38M | $1.58M | $19.37M |
| Jun 2023 | $217.30M | $187.77M | $2.68M | $21.20M |
| Jun 2024 | $240.76M | $209.12M | $3.48M | $24.46M |
| Jun 2025 | $271.97M | $237.55M | $3.36M | $27.58M |
| Jun 2026 | $309.77M | $273.43M | $3.47M | $30.45M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $181.65M | 3 |
| New Mexico | $91.78M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $273.43M.
Similar-sized banks
Security Bank ($309.90M) · The First National Bank Of Bellevue ($309.70M)
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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