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Citizens State Bank
Sealy, TX · FDIC Certificate #17214 · Chartered 08/1
Total assets
$507.04M
Total deposits
$456.62M
Total equity
$45.06M
Net loans
$312.88M
Branches (offices)
1
Net income (YTD)
$3.53M
Rank: #1,767 of 4,213 U.S. banks by assets · #160 of 346 in Texas. Assets changed 17.0% and deposits 17.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.42% |
| Return on equity | 16.01% |
| Net interest margin (YTD) | 3.22% |
| Equity to assets | 8.89% |
| Tier 1 leverage ratio | 10.35% |
| Uninsured deposits (share of deposits) | 37.4% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 68.5% |
| Real estate loans (share of loans) | 92.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $288.19M | 92.1% | |
| Commercial & industrial | $13.60M | 4.3% | |
| Consumer / individual | $8.52M | 2.7% | |
| Construction & development | $51.68M | 16.5% | |
| Agricultural | $5.58M | 1.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $372.00M | $341.27M | $2.66M | $27.97M |
| Jun 2023 | $383.30M | $349.94M | $2.53M | $29.57M |
| Jun 2024 | $428.74M | $378.04M | $2.49M | $34.41M |
| Jun 2025 | $433.46M | $389.98M | $2.82M | $39.06M |
| Jun 2026 | $507.04M | $456.62M | $3.53M | $45.06M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $456.62M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $456.62M.
Similar-sized banks
Grand River Bank ($507.30M) · Stafford Savings Bank ($507.04M)
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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