TellerScore

Citizens 1st Bank (FDIC certificate #1715) is based in Tyler, Texas. Its Q2 2026 call report shows $811.0M in total assets and $615.5M in deposits and 4 offices.

Based on its Q2 2026 filing, Citizens 1st Bank scores 83/100, which we describe as strong. That is higher than 84% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 60th. Its strongest component is capital cushion (100/100; 20.52%), and its lowest is funding & liquidity (34/100; 78% loans-to-deposits, 58% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 20.52%
Loan quality82/100
Noncurrent loans ÷ total loans: 0.53%
Earnings89/100
Return on assets (annualized): 1.71%
Funding & liquidity34/100
Loans ÷ deposits and uninsured-deposit share: 77.8% · 58.3% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.78%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 14 points (69 → 83), mostly because the loan quality component improved by 39 points.

TellerScore
697683Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202475
Q4 202475
Q1 202575
Q2 202569
Q3 202570
Q4 202575
Q1 202680
Q2 202683
Tier 1 leverage ratio
5.00%13.09%21.19%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202420.78%
Q3 202421.06%
Q4 202420.89%
Q1 202520.35%
Q2 202520.84%
Q3 202521.19%
Q4 202520.28%
Q1 202620.28%
Q2 202620.52%
Noncurrent loans
0.53%1.12%1.70%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.96%
Q3 20240.99%
Q4 20240.95%
Q1 20250.92%
Q2 20251.70%
Q3 20251.64%
Q4 20251.06%
Q1 20260.76%
Q2 20260.53%
Return on assets
1.04%1.37%1.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.04%
Q3 20241.08%
Q4 20241.12%
Q1 20251.09%
Q2 20251.30%
Q3 20251.34%
Q4 20251.24%
Q1 20261.60%
Q2 20261.71%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$811.0M20.52%0.53%1.71%77.8%
Q1 202680$828.4M20.28%0.76%1.60%78.0%
Q4 202575$819.8M20.28%1.06%1.24%76.6%
Q3 202570$763.4M21.19%1.64%1.34%82.5%
Q2 202569$756.3M20.84%1.70%1.30%79.8%
Q1 202575$772.9M20.35%0.92%1.09%73.9%
Q4 202475$768.1M20.89%0.95%1.12%74.1%
Q3 202475$729.2M21.06%0.99%1.08%76.9%
Q2 202475$728.0M20.78%0.96%1.04%75.7%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio20.52%
97th
Total risk-based capital39.10%
98th
Problem loans0.53%
44th
Net charge-offs0.26%
10th
Return on assets1.71%
76th
Net interest margin2.82%
6th
Efficiency ratio37.4%
98th
Loans to deposits77.8%
54th
Uninsured deposits58.3%
2nd
Loan-loss reserves0.53%
4th
Texas ratio1.8%
60th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Maverick BankBank Fort Davis, TX76 out of 100, Strong$809.1M8.8%0.01%vs
First Community BankBank San Benito, TX81 out of 100, Strong$794.4M10.4%0.01%vs
Plains State BankBank Humble, TX59 out of 100, Moderate$828.4M16.5%4.41%vs
Bank of the WestBank Grapevine, TX74 out of 100, Strong$829.8M9.7%0.00%vs
American Bank, National AssociationBank Dallas, TX77 out of 100, Strong$773.8M10.8%0.28%vs
Schertz Bank & TrustBank Schertz, TX90 out of 100, Very strong$770.1M15.2%0.05%vs

Deposit insurance

Is my money safe at Citizens 1st Bank?

Yes. Citizens 1st Bank is an FDIC-insured institution (FDIC certificate #1715). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 58.3% of deposits ($358.6M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 20.52%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 39.10% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

Citizens 1st Bank lists 4 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Citizens 1st Bank reported 99 home-loan applications under HMDA (LEI 254900TSSJ6QLFK4C243): 68 originated ($41,470,000 total), 8 denied, and 18 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Citizens 1st Bank
Former names
Citizens Bank; Citizens State Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
1715
RSSD ID
869663
Primary regulator
FED
Established
April 24, 1920
Headquarters
2001 E Southeast Loop 323, Tyler, TX 75701
Employees
60

Quick answers

Citizens 1st Bank: common questions

Is Citizens 1st Bank FDIC insured?

Yes. Citizens 1st Bank is an FDIC-insured institution (FDIC certificate #1715). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Citizens 1st Bank's TellerScore?

83 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Citizens 1st Bank ever failed?

There is no failure record for FDIC certificate #1715 in the FDIC failed bank list.

How many branches does Citizens 1st Bank have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Tyler

InstitutionScoreAssetsCapitalProblem loansCompare
First State Bank of Ben Wheeler, TexasBank Ben Wheeler, TX95 out of 100, Very strong$185.1M15.7%0.07%vs
East Texas Professional Credit UnionCredit union Longview, TX90 out of 100, Very strong$1.4B19.4%0.41%vs
Austin Bank, Texas National AssociationBank Jacksonville, TX88 out of 100, Very strong$3.3B15.1%0.60%vs
The First National Bank of WinnsboroBank Winnsboro, TX86 out of 100, Very strong$158.2M22.7%1.10%vs
Highway Employees Credit UnionCredit union Tyler, TX81 out of 100, Strong$1.8M29.2%0.04%vs
Keystone Credit UnionCredit union Tyler, TX80 out of 100, Strong$40.2M27.4%0.68%vs