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Citizens State Bank
Woodville, TX · FDIC Certificate #12303 · Chartered 05/0
Total assets
$511.35M
Total deposits
$449.15M
Total equity
$59.34M
Net loans
$368.19M
Branches (offices)
6
Net income (YTD)
$1.33M
Rank: #1,758 of 4,213 U.S. banks by assets · #158 of 346 in Texas. Assets changed 36.8% and deposits 38.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.55% |
| Return on equity | 4.54% |
| Net interest margin (YTD) | 4.21% |
| Equity to assets | 11.60% |
| Tier 1 leverage ratio | 13.18% |
| Uninsured deposits (share of deposits) | 54.5% |
| Noncurrent loans (share of loans) | 3.10% |
| Net charge-offs (share of loans) | 0.11% |
| Loans to deposits | 82.0% |
| Real estate loans (share of loans) | 81.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $300.56M | 81.6% | |
| Commercial & industrial | $69.88M | 19.0% | |
| Consumer / individual | $1.62M | 0.4% | |
| Construction & development | $108.01M | 29.3% | |
| Agricultural | $92.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $237.02M | $210.99M | -$508.00K | $25.13M |
| Jun 2023 | $293.82M | $259.15M | $1.16M | $26.09M |
| Jun 2024 | $335.49M | $291.14M | $1.62M | $28.87M |
| Jun 2025 | $373.68M | $323.39M | $1.86M | $44.88M |
| Jun 2026 | $511.35M | $449.15M | $1.33M | $59.34M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $449.15M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $449.15M.
Similar-sized banks
The Callaway Bank ($511.52M) · Citizens Bank Of Americus ($511.05M)
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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