Citizens State Bank: how it compares with its peers
Against 123 TX banks with half to twice its assets, Citizens State Bank's strongest measure in Q2 2026 is return on assets (1.91% vs. a 1.44% peer median). Its weakest relative measure is net interest margin (4.26% vs. 4.18%).
| Measure | Citizens State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.91% | 1.44% | Top third Ahead of 76% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.26% | 4.18% | Middle third Ahead of 54% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 54.04% | 63.86% | Top third Ahead of 72% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.1M | $6.5M | Middle third Ahead of 62% of peers |
| Loans to deposits Net loans and leases over total deposits. | 72.75% | 65.87% | Context |
What it means for lending operations
Its efficiency ratio of 54.04% is better than the 63.86% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Texas Advantage Community Bank, National Association Alvin, TX · $192M
- Peoples Bank Paris, TX · $185M
- Farmers State Bank Groesbeck, TX · $196M
- First State Bank of Ben Wheeler, Texas Ben Wheeler, TX · $185M
- First State Bank Spearman, TX · $184M
- First Security State Bank Cranfills Gap, TX · $183M
Questions about Citizens State Bank
How big is Citizens State Bank?
Citizens State Bank, established in 1919, is headquartered in Corrigan, TX. It reported $191M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Citizens State Bank's return on assets?
1.91% annualized in Q2 2026, against a 1.44% median for 123 TX banks with half to twice its assets, ahead of 76% of them.
What is Citizens State Bank's efficiency ratio?
54.04% in Q2 2026: it spent about 54 cents in noninterest expense for each dollar of revenue. The peer median is 63.86%, and lower is better.
Is Citizens State Bank growing its loans?
Net loans shrank 2.5% over the year to Q2 2026, while deposits shrank 0.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.