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Citizens Bank
Kilgore, TX · FDIC Certificate #16817 · Chartered 07/2
Total assets
$488.81M
Total deposits
$441.60M
Total equity
$33.29M
Net loans
$319.00M
Branches (offices)
11
Net income (YTD)
$1.97M
Rank: #1,815 of 4,213 U.S. banks by assets · #163 of 346 in Texas. Assets changed -0.1% and deposits 6.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.79% |
| Return on equity | 8.41% |
| Net interest margin (YTD) | 4.45% |
| Equity to assets | 6.81% |
| Tier 1 leverage ratio | 6.90% |
| Uninsured deposits (share of deposits) | 40.1% |
| Noncurrent loans (share of loans) | 0.02% |
| Net charge-offs (share of loans) | -0.02% |
| Loans to deposits | 72.2% |
| Real estate loans (share of loans) | 92.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $295.13M | 92.5% | |
| Commercial & industrial | $29.63M | 9.3% | |
| Consumer / individual | $2.26M | 0.7% | |
| Construction & development | $62.52M | 19.6% | |
| Agricultural | $202.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $505.54M | $445.49M | $623.00K | $58.51M |
| Jun 2023 | $510.58M | $446.84M | $2.35M | $61.28M |
| Jun 2024 | $474.77M | $404.67M | $1.56M | $66.31M |
| Jun 2025 | $489.13M | $414.56M | $1.61M | $70.82M |
| Jun 2026 | $488.81M | $441.60M | $1.97M | $33.29M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $441.60M | 11 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $441.60M.
Similar-sized banks
Black Hills Community Bank, N.A. ($489.71M) · Citizens State Bank ($488.20M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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