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Citizens State Bank

$1B-$10B Specialty: Commercial TX FDIC cert 16753

Designations: ✓ Community bank

Somerville, TX

7 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
  • Deposits +4.9% year over year ($1.1B on the books).
  • Delinquency rate 2.01%.
  • Return on assets 1.65%.
  • Efficiency ratio 50.34% vs a 59.73% peer average.
  • Loan-to-deposit ratio 71.57% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 78 in TX
View $1B-$10B leaderboard (TX) →

Citizens State Bank has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Deposit Franchise: Top 66.2% in tier
  • + ROA 0.26% above tier average
  • + Efficiency Ratio 9.39% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 26.9% in tier
  • - Margin Compression: Bottom 64.7% in tier
  • - Nonperforming Asset Ratio 0.87% above tier average
Get updates when Citizens State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $1.2B
+5.9% YoY +0.4% QoQ
-$1.6B $2.8B
-0.6% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
19%
Total Loans ? $751.8M
+3.0% YoY -0.1% QoQ
-$1.2B $2.0B
-0.3% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
Bottom 10.7% in tier
Total Deposits ? $1.1B
+4.9% YoY +0.0% QoQ
-$1.3B $2.3B
-0.5% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
19%
Return on Assets ? 1.65%
-7.4% YoY +6.9% QoQ
+0.26% 1.39%
+17.0% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
77%
Net Interest Margin ? 4.74%
+1.7% YoY +3.6% QoQ
+0.86% 3.87%
+6.2% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
Top 8.6% in tier
Efficiency Ratio ? 50.34%
-1.8% YoY -7.6% QoQ
-9.39% 59.73%
-12.6% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
76%
Delinquency Rate ? 2.01%
+20.1% YoY -27.4% QoQ
+1.15% 0.87%
+11.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
Bottom 8.8% in tier
Loan-to-Deposit Ratio ? 71.57%
-1.8% YoY -0.2% QoQ
-13.46% 85.04%
-0.1% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
82%
Non-Interest-Bearing Deposit Share ? 28.73%
-9.9% YoY -1.8% QoQ
+7.45% 21.27%
-1.5% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
81%
Nonperforming Asset Ratio ? 1.54%
+40.5% YoY -11.0% QoQ
+0.87% 0.67%
+11.7% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
Bottom 9.7% in tier
Tier 1 Capital Ratio ? 12.95%
+4.0% YoY +2.2% QoQ
-1.89% 14.84%
-0.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
48%
Non-Interest Income / Assets ? 0.28%
+6.8% YoY +113.6% QoQ
-0.25% 0.53%
+2.5% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
47%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Noninterest-Bearing 28.7%
-3.2pp YoY
-0.5pp QoQ
 +7.4pp 21.4% 29.2% 22.2% 81%
Brokered Deposits n/a n/a 9.5% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 13.9%
+0.6pp YoY
+0.1pp QoQ
 -0.1pp 14.0% 14.8% 12.5% 64%
CRE 40.7%
+0.4pp YoY
+0.1pp QoQ
 -9.3pp 50.0% 48.4% 41.4% 26%
1-4 Family 28.8%
-0.7pp YoY
+0.2pp QoQ
 +2.4pp 26.4% 25.8% 31.3% 63%
Consumer 2.5%
-0.2pp YoY
+0.1pp QoQ
 -2.2pp 4.7% 4.7% 5.0% 70%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio n/a n/a 15.6% 22.7% 19.7% n/a
Leverage Ratio 12.9%
+0.5pp YoY
+0.3pp QoQ
 +1.6pp 11.3% 12.6% 12.6% 85%
Total Capital Ratio n/a n/a 16.7% 23.8% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 150
-5 (-3.2%) YoY
0 QoQ
 -164 313 186 482 22%
Assets per Employee ($) $8.1M
+9.5% YoY
+0.4% QoQ
 -$2.4M $10.5M $10.1M $8.8M 42%
Branch Count 7
0 YoY
0 QoQ
 -13 20 12 18 17%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 0.1%
-0.4pp YoY
0.0pp QoQ
 -0.1pp 0.2% 0.3% 0.4% 76%
Nonaccrual 1.9%
+0.7pp YoY
-0.7pp QoQ
 +1.1pp 0.8% 1.0% 1.0% 92%
Allowance Coverage 0.56x
-3.4% YoY
+48.8% QoQ
 -18.15x 18.71x 18.82x 20.23x 8%
Net Charge-off Rate (YTD) 0.3%
+0.2pp YoY
+0.1pp QoQ
 0.0pp 0.3% 0.1% 0.2% 85%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 13.3%
-2.0pp YoY
+0.7pp QoQ
 +0.7pp 12.6% 13.2% 11.6% 60%
Cost of Funds (YTD) 1.5%
-0.1pp YoY
0.0pp QoQ
 -0.4pp 1.9% 1.6% 1.7% 23%
Net Income ($, YTD) $10.0M
+0.3% YoY
— QoQ
 -$9.2M $19.2M $15.9M $40.4M 40%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth
#54 of 80 • Top 66.2% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 28.73%
(Tier: 21.27%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.74%
(Tier: 3.87%, National: 3.95%)
better than tier avg
80 of 80 Mid-Market banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Concerns (2)

Credit Risk Growth

risk
#109 of 402 • Bottom 26.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Margin Compression

decline
#56 of 85 • Bottom 64.7% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.65%
(Tier: 1.39%, National: 1.30%)
better than tier avg
85 of 85 Mid-Market banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (5 metrics)

77
Net Interest Margin
profitability
Value: 4.74%
Peer Median: 3.87%
#77 of 885 Top 8.6% in $1B-$10B
160
Loan-to-Deposit Ratio
liquidity
Value: 71.57%
Peer Median: 85.04%
#160 of 885 Top 18.0% in $1B-$10B
166
Non-Interest-Bearing Deposit Share
funding
Value: 28.73%
Peer Median: 21.27%
#166 of 885 Top 18.6% in $1B-$10B
207
Return on Assets
profitability
Value: 1.65%
Peer Median: 1.39%
#207 of 885 Top 23.3% in $1B-$10B
210
Efficiency Ratio
profitability
Value: 50.34%
Peer Median: 59.73%
#210 of 885 Top 23.6% in $1B-$10B

Top Weaknesses (5 metrics)

805
Delinquency Rate
credit_quality
Value: 2.01%
Peer Median: 0.87%
#805 of 882 Bottom 8.8% in $1B-$10B
800
Nonperforming Asset Ratio
credit_quality
Value: 1.54%
Peer Median: 0.67%
#800 of 885 Bottom 9.7% in $1B-$10B
791
Total Loans
size
Value: $751.80M
Peer Median: $1.96B
#791 of 885 Bottom 10.7% in $1B-$10B
721
Total Assets
size
Value: $1.22B
Peer Median: $2.79B
#721 of 885 Bottom 18.6% in $1B-$10B
715
Total Deposits
size
Value: $1.05B
Peer Median: $2.32B
#715 of 885 Bottom 19.3% in $1B-$10B
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