Crosbyton, TX · Cert 3158 · Citizens Bancshares Inc.
National charter · OCC · 1 branch
Q2 2026
Market Position · Lubbock, TX · 2026 SOD (annual) · 0.4% share · #24 of 31 inst. · $0.1B of $14.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.70% | 1.82% | 1.69% | 1.80% | 1.70% | 0 bps | |
| Return on Equity | 9.83% | 10.57% | 9.86% | 10.73% | 10.10% | +26 bps | |
| Net Interest Margin | 3.24% | 3.33% | 3.27% | 3.33% | 3.45% | +20 bps | |
| Efficiency Ratio | 40.80% | 37.82% | 41.18% | 36.93% | 38.08% | -272 bps | |
| Non-Interest Burden | 1.11% | 1.06% | 1.17% | 1.06% | 1.17% | +6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.99% | 12.21% | 11.55% | 11.74% | 5.88% | -711 bps | |
| Loan Growth (YoY) | 14.54% | 25.84% | 53.98% | 22.76% | 37.95% | +2,340 bps | |
| Deposit Growth (YoY) | 13.91% | 13.25% | 12.63% | 12.93% | 5.94% | -798 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.03% | 0.02% | 0.00% | 0.00% | -6 bps | |
| Allowance / Loans | 1.00% | 0.85% | 0.95% | 1.06% | 1.06% | +6 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 16.79% | 17.06% | 16.75% | 16.73% | 16.81% | +3 bps | |
| Total Risk-Based Capital | 16.79% | 17.06% | 16.75% | 16.73% | 16.81% | +3 bps | |
| Equity / Assets | 16.82% | 17.09% | 16.80% | 16.75% | 16.86% | +4 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 33.83% | 39.68% | 41.29% | 36.59% | 44.05% | +1,022 bps | |
| Liquid Assets / Assets | 63.28% | 57.20% | 56.64% | 60.13% | 53.87% | -942 bps | |
| CRE / Total Capital | n/a | 19.96% | 19.16% | 33.33% | n/a | n/a | |