Citizens State Bank: how it compares with its peers
Against 142 TX banks with half to twice its assets, Citizens State Bank's strongest measure in Q2 2026 is assets per employee ($7.9M vs. a $7.3M peer median). Its weakest relative measure is return on assets (0.55% vs. 1.48%).
| Measure | Citizens State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.55% | 1.48% | Bottom third Ahead of 8% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.21% | 4.25% | Middle third Ahead of 49% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 76.89% | 60.35% | Bottom third Ahead of 12% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.9M | $7.3M | Middle third Ahead of 59% of peers |
| Loans to deposits Net loans and leases over total deposits. | 81.97% | 74.49% | Context |
What it means for lending operations
Its efficiency ratio of 76.89% is above the 60.35% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Texas Republic Bank, National Association Frisco, TX · $511M
- Citizens State Bank Sealy, TX · $507M
- The Brenham National Bank Brenham, TX · $518M
- State Bank of De Kalb De Kalb, TX · $520M
- Colonial Savings, F.A. Fort Worth, TX · $502M
- The First National Bank of Mertzon Mertzon, TX · $500M
Questions about Citizens State Bank
How big is Citizens State Bank?
Citizens State Bank, established in 1920, is headquartered in Woodville, TX. It reported $511M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Citizens State Bank's return on assets?
0.55% annualized in Q2 2026, against a 1.48% median for 142 TX banks with half to twice its assets, ahead of 8% of them.
What is Citizens State Bank's efficiency ratio?
76.89% in Q2 2026: it spent about 77 cents in noninterest expense for each dollar of revenue. The peer median is 60.35%, and lower is better.
Is Citizens State Bank growing its loans?
Net loans grew 38.4% over the year to Q2 2026, while deposits grew 38.9%.
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.