Citizens State Bank
Anton, TX · Cert 16581 · Peer group: banks under $1B in assets in TX (n=208-211) · Anton Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$80.7MAssets
$67.3MLoans
$67.0MDeposits
$13.1MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in TX (rank 43 of 208).
- Widest gap: efficiency ratio trails 84% of banks under $1B in assets in TX (rank 178 of 211).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
0.82%
Rank 163 of 211
Net Interest Margin
4.54%
Rank 39 of 211
Efficiency Ratio
79.23%
Rank 178 of 211
Equity / Assets
16.22%
Rank 24 of 211
Non-interest income vs. expense
Unfavorable gap of $2.9M · efficiency ratio beats 16% 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 | 0.82% | 0.87% | 1.20% | 1.65% | Beats 23% | 163 / 211 | |
| Return on Equity | 5.07% | 7.52% | 11.67% | 14.58% | Beats 16% | 177 / 211 | |
| Net Interest Margin | 4.54% | 3.28% | 3.82% | 4.31% | Beats 82% | 39 / 211 | |
| Efficiency Ratio | 79.23% | 53.01% | 64.18% | 73.65% | Beats 16% | 178 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.01% | 0.01% | 0.30% | 1.10% | Beats 75% | 53 / 208 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 100% | 43 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 15.98% | 11.72% | 14.45% | 19.57% | Beats 60% | 85 / 211 | |
| Total Risk-Based Capital Ratio | 15.98% | 11.94% | 14.78% | 20.30% | Beats 57% | 90 / 211 | |
| Equity / Assets | 16.22% | 9.41% | 11.06% | 12.94% | Beats 89% | 24 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 100.42% | 45.39% | 66.56% | 82.03% | 98th pctl | 4 / 208 | |
| Loans / Assets | 83.37% | 39.13% | 56.90% | 70.46% | 98th pctl | 5 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |