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Citizens State Bank
Anton, TX · FDIC Certificate #16581 · Chartered 06/0
Total assets
$80.72M
Total deposits
$67.02M
Total equity
$13.09M
Net loans
$66.67M
Branches (offices)
2
Net income (YTD)
$332.00K
Rank: #3,827 of 4,213 U.S. banks by assets · #317 of 346 in Texas. Assets changed 0.7% and deposits 0.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.82% |
| Return on equity | 5.00% |
| Net interest margin (YTD) | 4.78% |
| Equity to assets | 16.22% |
| Tier 1 leverage ratio | 15.98% |
| Uninsured deposits (share of deposits) | 14.8% |
| Noncurrent loans (share of loans) | 0.01% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 99.5% |
| Real estate loans (share of loans) | 84.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $55.98M | 84.0% | |
| Commercial & industrial | $9.83M | 14.7% | |
| Consumer / individual | $486.00K | 0.7% | |
| Construction & development | $4.76M | 7.1% | |
| Agricultural | $991.00K | 1.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $53.65M | $47.55M | $125.00K | $5.94M |
| Jun 2023 | $74.39M | $62.36M | $665.00K | $11.47M |
| Jun 2024 | $76.06M | $62.85M | $569.00K | $12.66M |
| Jun 2025 | $80.14M | $66.49M | $620.00K | $13.00M |
| Jun 2026 | $80.72M | $67.02M | $332.00K | $13.09M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $67.02M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $67.02M.
Similar-sized banks
First Security Bank Of Deer Lodge ($81.09M) · Cbw Bank ($80.51M)
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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