Citizens State Bank: how it compares with its peers
Against 70 TX banks with half to twice its assets, Citizens State Bank's strongest measure in Q2 2026 is net interest margin (4.78% vs. a 4.00% peer median). Its weakest relative measure is efficiency ratio (79.23% vs. 67.64%).
| Measure | Citizens State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.82% | 1.23% | Bottom third Ahead of 27% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.78% | 4.00% | Top third Ahead of 76% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 79.23% | 67.64% | Bottom third Ahead of 23% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.7M | $5.8M | Bottom third Ahead of 24% of peers |
| Loans to deposits Net loans and leases over total deposits. | 99.48% | 52.06% | Context |
What it means for lending operations
Its efficiency ratio of 79.23% is above the 67.64% 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
- The City National Bank of San Saba San Saba, TX · $80M
- Atascosa Bank Pleasanton, TX · $82M
- The First National Bank in Falfurrias Falfurrias, TX · $79M
- Zavala County Bank Crystal City, TX · $79M
- Pavillion Bank Richardson, TX · $78M
- First National Bank of South Padre Island South Padre Island, TX · $78M
Questions about Citizens State Bank
How big is Citizens State Bank?
Citizens State Bank, established in 1947, is headquartered in Anton, TX. It reported $81M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Citizens State Bank's return on assets?
0.82% annualized in Q2 2026, against a 1.23% median for 70 TX banks with half to twice its assets, ahead of 27% of them.
What is Citizens State Bank's efficiency ratio?
79.23% in Q2 2026: it spent about 79 cents in noninterest expense for each dollar of revenue. The peer median is 67.64%, and lower is better.
Is Citizens State Bank growing its loans?
Net loans grew 11.5% over the year to Q2 2026, while deposits grew 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.