Citizens State Bank of Ganado, The
Ganado, TX · Cert 16934 · Peer group: banks under $1B in assets in TX (n=225-228)
FDIC · 2 branches
Q1 2025
$57.8MAssets
$10.3MLoans
$54.0MDeposits
$3.5MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in TX (rank 51 of 225).
- Widest gap: return on equity trails 97% of banks under $1B in assets in TX (rank 219 of 225).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
-0.27%
Rank 217 of 228
Net Interest Margin
2.86%
Rank 188 of 228
Efficiency Ratio
111.23%
Rank 219 of 228
Equity / Assets
6.00%
Rank 213 of 228
Non-interest income vs. expense
Unfavorable gap of $1.9M · efficiency ratio beats 4% 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 | -0.27% | 0.76% | 1.09% | 1.48% | Beats 5% | 217 / 228 | | |
| Return on Equity | -4.50% | 6.96% | 10.63% | 14.91% | Beats 3% | 219 / 225 | | |
| Net Interest Margin | 2.86% | 3.07% | 3.63% | 4.25% | Beats 18% | 188 / 228 | | |
| Efficiency Ratio | 111.23% | 55.39% | 65.15% | 74.18% | Beats 4% | 219 / 228 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.22% | 0.67% | Beats 100% | 51 / 225 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.02% | Beats 100% | 63 / 225 | | |
| Capital |
| Tier 1 Capital Ratio | 30.66% | 11.65% | 14.55% | 19.25% | Beats 91% | 21 / 228 | | |
| Total Risk-Based Capital Ratio | 31.77% | 11.69% | 14.89% | 20.30% | Beats 91% | 21 / 228 | | |
| Equity / Assets | 6.00% | 8.58% | 10.37% | 12.02% | Beats 7% | 213 / 228 | | |
| Liquidity & Funding |
| Loans / Deposits | 19.09% | 47.92% | 67.81% | 82.04% | 4th pctl | 217 / 225 | | |
| Loans / Assets | 17.86% | 42.11% | 58.88% | 69.86% | 4th pctl | 217 / 225 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |