Citizens Bank
Kilgore, TX · Cert 16817 · Peer group: banks under $1B in assets in TX (n=208-211) · East Texas Financial Corp.
State charter, non-member · FDIC · 1 affiliate bank · 11 branches (20 in holding)
Q2 2026
$488.8MAssets
$327.1MLoans
$441.6MDeposits
$33.3MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 78% of banks under $1B in assets in TX (rank 50 of 208).
- Widest gap: equity / assets trails 95% of banks under $1B in assets in TX (rank 201 of 211).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.81%
Rank 164 of 211
Net Interest Margin
4.29%
Rank 58 of 211
Efficiency Ratio
75.82%
Rank 169 of 211
Equity / Assets
6.81%
Rank 201 of 211
Non-interest income vs. expense
Unfavorable gap of $15.7M · efficiency ratio beats 20% 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 | 0.81% | 0.87% | 1.20% | 1.65% | Beats 22% | 164 / 211 | |
| Return on Equity | 11.86% | 7.52% | 11.67% | 14.58% | Beats 52% | 102 / 211 | |
| Net Interest Margin | 4.29% | 3.28% | 3.82% | 4.31% | Beats 73% | 58 / 211 | |
| Efficiency Ratio | 75.82% | 53.01% | 64.18% | 73.65% | Beats 20% | 169 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.02% | 0.01% | 0.30% | 1.10% | Beats 73% | 57 / 208 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 78% | 50 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 10.10% | 11.72% | 14.45% | 19.57% | Beats 10% | 190 / 211 | |
| Total Risk-Based Capital Ratio | 11.37% | 11.94% | 14.78% | 20.30% | Beats 21% | 167 / 211 | |
| Equity / Assets | 6.81% | 9.41% | 11.06% | 12.94% | Beats 5% | 201 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 74.08% | 45.39% | 66.56% | 82.03% | 62nd pctl | 79 / 208 | |
| Loans / Assets | 66.93% | 39.13% | 56.90% | 70.46% | 69th pctl | 66 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |