Citizens State Bank
Buffalo, TX · Cert 12501 · Peer group: banks under $1B in assets in TX (n=221-224)
FDIC · 10 branches
Q2 2025
$950.3MAssets
$242.9MLoans
$1.0BDeposits
$-60395KEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 59% of banks under $1B in assets in TX (rank 91 of 221).
- Widest gap: equity / assets trails 99% of banks under $1B in assets in TX (rank 222 of 224).
- Overall: at or above the peer median on 1 of 8 directional measures.
Return on Assets
0.02%
Rank 211 of 224
Net Interest Margin
1.45%
Rank 221 of 224
Efficiency Ratio
92.37%
Rank 209 of 224
Equity / Assets
-6.36%
Rank 222 of 224
Non-interest income vs. expense
Unfavorable gap of $15.8M · efficiency ratio beats 7% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.02% | 0.75% | 1.14% | 1.55% | Beats 6% | 211 / 224 | |
| Return on Equity | n/a | Not reported for this institution |
| Net Interest Margin | 1.45% | 3.18% | 3.72% | 4.29% | Beats 1% | 221 / 224 | |
| Efficiency Ratio | 92.37% | 54.88% | 63.36% | 73.91% | Beats 7% | 209 / 224 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.14% | 0.03% | 0.27% | 0.93% | Beats 59% | 91 / 221 | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.06% | Beats 44% | 124 / 221 | |
| Capital |
| Tier 1 Capital Ratio | 13.58% | 11.76% | 14.62% | 18.98% | Beats 43% | 128 / 224 | |
| Total Risk-Based Capital Ratio | 13.58% | 11.87% | 15.07% | 19.86% | Beats 39% | 137 / 224 | |
| Equity / Assets | -6.36% | 8.61% | 10.54% | 12.31% | Beats 1% | 222 / 224 | |
| Liquidity & Funding |
| Loans / Deposits | 24.23% | 48.74% | 69.29% | 83.16% | 6th pctl | 207 / 221 | |
| Loans / Assets | 25.56% | 42.63% | 60.45% | 70.41% | 8th pctl | 204 / 221 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |