Citizens State Bank
Somerville, TX · Cert 16753 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · C S B Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
$1.2BAssets
$760.3MLoans
$1.1BDeposits
$154.3MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 90% of banks $1B-$10B in assets operating in a single state (rank 26 of 258).
- Widest gap: nonperforming loans / loans trails 93% of banks $1B-$10B in assets operating in a single state (rank 242 of 258).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.64%
Rank 42 of 258
Net Interest Margin
4.34%
Rank 26 of 258
Efficiency Ratio
50.34%
Rank 53 of 257
Equity / Assets
12.66%
Rank 41 of 258
Non-interest income vs. expense
Unfavorable gap of $23.1M · efficiency ratio beats 80% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.64% | 0.93% | 1.23% | 1.54% | Beats 84% | 42 / 258 | | |
| Return on Equity | 13.00% | 9.26% | 11.84% | 14.74% | Beats 61% | 101 / 258 | | |
| Net Interest Margin | 4.34% | 3.16% | 3.49% | 3.88% | Beats 90% | 26 / 258 | | |
| Efficiency Ratio | 50.34% | 51.71% | 60.30% | 69.65% | Beats 80% | 53 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.99% | 0.19% | 0.46% | 0.90% | Beats 7% | 242 / 258 | | |
| Net Charge-Offs / Loans | 0.21% | 0.01% | 0.02% | 0.07% | Beats 10% | 232 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 12.95% | 11.41% | 12.98% | 15.12% | Beats 49% | 131 / 258 | | |
| Total Risk-Based Capital Ratio | 12.95% | 12.10% | 13.91% | 16.08% | Beats 37% | 163 / 258 | | |
| Equity / Assets | 12.66% | 9.09% | 10.24% | 11.72% | Beats 84% | 41 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 72.38% | 73.24% | 86.34% | 95.95% | 22nd pctl | 201 / 258 | | |
| Loans / Assets | 62.35% | 63.01% | 72.27% | 78.40% | 23rd pctl | 198 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |