Citizens 1st Bank
Tyler, TX · Cert 1715 · Peer group: banks under $1B in assets in TX (n=208-211)
State charter, Fed member · FED · 4 branches
Q2 2026
$811.0MAssets
$481.6MLoans
$615.5MDeposits
$147.8MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 95% of banks under $1B in assets in TX (rank 12 of 211).
- Widest gap: net interest margin trails 91% of banks under $1B in assets in TX (rank 192 of 211).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.36%
Rank 79 of 211
Net Interest Margin
2.71%
Rank 192 of 211
Efficiency Ratio
37.41%
Rank 12 of 211
Equity / Assets
18.23%
Rank 12 of 211
Non-interest income vs. expense
Unfavorable gap of $8.2M · efficiency ratio beats 95% 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 | 1.36% | 0.87% | 1.20% | 1.65% | Beats 63% | 79 / 211 | |
| Return on Equity | 7.46% | 7.52% | 11.67% | 14.58% | Beats 24% | 160 / 211 | |
| Net Interest Margin | 2.71% | 3.28% | 3.82% | 4.31% | Beats 9% | 192 / 211 | |
| Efficiency Ratio | 37.41% | 53.01% | 64.18% | 73.65% | Beats 95% | 12 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.53% | 0.01% | 0.30% | 1.10% | Beats 38% | 129 / 208 | |
| Net Charge-Offs / Loans | 0.13% | 0.00% | 0.01% | 0.06% | Beats 15% | 177 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 38.50% | 11.72% | 14.45% | 19.57% | Beats 93% | 15 / 211 | |
| Total Risk-Based Capital Ratio | 39.10% | 11.94% | 14.78% | 20.30% | Beats 93% | 15 / 211 | |
| Equity / Assets | 18.23% | 9.41% | 11.06% | 12.94% | Beats 94% | 12 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 78.23% | 45.39% | 66.56% | 82.03% | 70th pctl | 63 / 208 | |
| Loans / Assets | 59.38% | 39.13% | 56.90% | 70.46% | 55th pctl | 94 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |