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Citizens State Bank
Corrigan, TX · FDIC Certificate #11905 · Chartered 01/0
Total assets
$190.62M
Total deposits
$165.66M
Total equity
$20.86M
Net loans
$120.52M
Branches (offices)
2
Net income (YTD)
$1.81M
Rank: #3,042 of 4,213 U.S. banks by assets · #257 of 346 in Texas. Assets changed 2.0% and deposits -0.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.91% |
| Return on equity | 17.56% |
| Net interest margin (YTD) | 4.26% |
| Equity to assets | 10.94% |
| Tier 1 leverage ratio | 12.04% |
| Uninsured deposits (share of deposits) | 20.3% |
| Noncurrent loans (share of loans) | 0.50% |
| Net charge-offs (share of loans) | 0.26% |
| Loans to deposits | 72.8% |
| Real estate loans (share of loans) | 57.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $69.80M | 57.9% | |
| Commercial & industrial | $21.93M | 18.2% | |
| Consumer / individual | $22.40M | 18.6% | |
| Construction & development | $885.00K | 0.7% | |
| Agricultural | $9.43M | 7.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $163.59M | $150.25M | $1.45M | $12.74M |
| Jun 2023 | $173.52M | $159.46M | $1.83M | $13.27M |
| Jun 2024 | $181.41M | $164.78M | $1.59M | $15.72M |
| Jun 2025 | $186.97M | $167.03M | $1.71M | $18.77M |
| Jun 2026 | $190.62M | $165.66M | $1.81M | $20.86M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $165.66M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $165.66M.
Similar-sized banks
Progressive Ozark Bank ($190.90M) · First State Bank Shannon-Polo ($190.46M)
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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