Citizens 1st Bank: how it compares with its peers
Against 114 TX banks with half to twice its assets, Citizens 1st Bank's strongest measure in Q2 2026 is efficiency ratio (37.41% vs. a 60.54% peer median). Its weakest relative measure is net interest margin (2.82% vs. 4.19%).
| Measure | Citizens 1st Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.71% | 1.44% | Top third Ahead of 68% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.82% | 4.19% | Bottom third Ahead of 2% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 37.41% | 60.54% | Top third Ahead of 94% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $13.5M | $7.8M | Top third Ahead of 86% of peers |
| Loans to deposits Net loans and leases over total deposits. | 77.81% | 78.55% | Context |
What it means for lending operations
Its efficiency ratio of 37.41% is better than the 60.54% 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
- Maverick Bank Fort Davis, TX · $809M
- First Community Bank San Benito, TX · $794M
- Plains State Bank Humble, TX · $828M
- Bank of the West Grapevine, TX · $830M
- American Bank, National Association Dallas, TX · $774M
- Schertz Bank & Trust Schertz, TX · $770M
Questions about Citizens 1st Bank
How big is Citizens 1st Bank?
Citizens 1st Bank, established in 1920, is headquartered in Tyler, TX. It reported $811M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Citizens 1st Bank's return on assets?
1.71% annualized in Q2 2026, against a 1.44% median for 114 TX banks with half to twice its assets, ahead of 68% of them.
What is Citizens 1st Bank's efficiency ratio?
37.41% in Q2 2026: it spent about 37 cents in noninterest expense for each dollar of revenue. The peer median is 60.54%, and lower is better.
Is Citizens 1st Bank growing its loans?
Net loans grew 5.3% over the year to Q2 2026, while deposits grew 7.9%.
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.