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Citizens State Bank
Somerville, TX · FDIC Certificate #16753 · Chartered 06/0
Total assets
$1.22B
Total deposits
$1.05B
Total equity
$154.34M
Net loans
$751.80M
Branches (offices)
7
Net income (YTD)
$10.03M
Rank: #880 of 4,213 U.S. banks by assets · #77 of 346 in Texas. Assets changed 5.9% and deposits 4.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.65% |
| Return on equity | 13.34% |
| Net interest margin (YTD) | 4.74% |
| Equity to assets | 12.66% |
| Tier 1 leverage ratio | 12.95% |
| Uninsured deposits (share of deposits) | 40.8% |
| Noncurrent loans (share of loans) | 1.99% |
| Net charge-offs (share of loans) | 0.29% |
| Loans to deposits | 71.6% |
| Real estate loans (share of loans) | 79.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $594.04M | 79.0% | |
| Commercial & industrial | $104.72M | 13.9% | |
| Consumer / individual | $18.83M | 2.5% | |
| Construction & development | $57.80M | 7.7% | |
| Agricultural | $41.73M | 5.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $966.64M | $866.37M | $5.89M | $90.31M |
| Jun 2023 | $1.02B | $905.80M | $7.53M | $102.06M |
| Jun 2024 | $1.08B | $945.29M | $7.99M | $117.15M |
| Jun 2025 | $1.15B | $1.00B | $10.00M | $136.35M |
| Jun 2026 | $1.22B | $1.05B | $10.03M | $154.34M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $1.05B | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.05B.
Similar-sized banks
Uwharrie Bank ($1.22B) · Mutualone Bank ($1.22B)
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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