Citizens State Bank
Cross Plains, TX · Cert 11903 · Peer group: banks under $1B in assets in TX (n=214-217)
FDIC · 3 branches
Q3 2025
$227.1MAssets
$166.0MLoans
$196.3MDeposits
$28.0MEquity
Executive Summary
- Strongest standing: brokered deposits / deposits outperforms 100% of banks under $1B in assets in TX (rank 168 of 214).
- Widest gap: return on equity trails 95% of banks under $1B in assets in TX (rank 207 of 217).
- Overall: at or above the peer median on 5 of 10 directional measures.
Return on Assets
0.21%
Rank 207 of 217
Net Interest Margin
4.73%
Rank 31 of 217
Efficiency Ratio
70.31%
Rank 149 of 217
Equity / Assets
12.35%
Rank 64 of 217
Non-interest income vs. expense
Unfavorable gap of $7.0M · efficiency ratio beats 32% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.21% | 0.78% | 1.13% | 1.52% | Beats 5% | 207 / 217 | | |
| Return on Equity | 1.67% | 7.76% | 10.63% | 14.06% | Beats 5% | 207 / 217 | | |
| Net Interest Margin | 4.73% | 3.16% | 3.72% | 4.30% | Beats 86% | 31 / 217 | | |
| Efficiency Ratio | 70.31% | 53.69% | 62.92% | 73.15% | Beats 32% | 149 / 217 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.07% | 0.02% | 0.28% | 1.04% | Beats 66% | 74 / 214 | | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.03% | 0.11% | Beats 59% | 90 / 214 | | |
| Capital |
| Tier 1 Capital Ratio | 13.97% | 12.03% | 14.93% | 19.03% | Beats 43% | 123 / 217 | | |
| Total Risk-Based Capital Ratio | 15.22% | 12.18% | 15.39% | 20.29% | Beats 47% | 114 / 217 | | |
| Equity / Assets | 12.35% | 9.27% | 10.83% | 12.82% | Beats 71% | 64 / 217 | | |
| Liquidity & Funding |
| Loans / Deposits | 84.60% | 48.19% | 68.98% | 82.00% | 81st pctl | 41 / 214 | | |
| Loans / Assets | 73.10% | 41.90% | 59.52% | 69.03% | 82nd pctl | 39 / 214 | | |
| Brokered Deposits / Deposits | 0.00% | n/a | n/a | n/a | Beats 100% | 168 / 214 | n/a | |