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 ($13.7M vs. a $7.3M peer median). Its weakest relative measure is net interest margin (3.22% vs. 4.25%).
| Measure | Citizens State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.42% | 1.48% | Middle third Ahead of 46% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.22% | 4.25% | Bottom third Ahead of 11% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 44.18% | 60.64% | Top third Ahead of 85% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $13.7M | $7.3M | Top third Ahead of 89% of peers |
| Loans to deposits Net loans and leases over total deposits. | 68.52% | 74.74% | Context |
What it means for lending operations
Its efficiency ratio of 44.18% is better than the 60.64% 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 Republic Bank, National Association Frisco, TX · $511M
- Citizens State Bank Woodville, TX · $511M
- Colonial Savings, F.A. Fort Worth, TX · $502M
- The First National Bank of Mertzon Mertzon, TX · $500M
- The Brenham National Bank Brenham, TX · $518M
- State Bank of De Kalb De Kalb, TX · $520M
Questions about Citizens State Bank
How big is Citizens State Bank?
Citizens State Bank, established in 1907, is headquartered in Sealy, TX. It reported $507M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Citizens State Bank's return on assets?
1.42% annualized in Q2 2026, against a 1.48% median for 142 TX banks with half to twice its assets, ahead of 46% of them.
What is Citizens State Bank's efficiency ratio?
44.18% in Q2 2026: it spent about 44 cents in noninterest expense for each dollar of revenue. The peer median is 60.64%, and lower is better.
Is Citizens State Bank growing its loans?
Net loans grew 16.3% over the year to Q2 2026, while deposits grew 17.1%.
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.