TellerScore

Citizens Bank is a state-chartered bank headquartered in Kilgore, Texas, in business for about 77 years. At the end of Q2 2026 it reported $488.8M in total assets and $441.6M in deposits, with 11 offices.

Citizens Bank has a TellerScore of 60 out of 100 (moderate) based on Q2 2026 data — higher than only 19% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 301st. Problem-loan coverage contributes the most (100/100, 0.2%); capital cushion contributes the least (19/100, 6.90%).

TellerScore · Q2 2026

Scorecard

Capital cushion19/100
Tier 1 leverage ratio: 6.90%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.02%
Earnings52/100
Return on assets (annualized): 0.79%
Funding & liquidity60/100
Loans ÷ deposits and uninsured-deposit share: 72.2% · 40.1% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.18%

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 fell 22 points (82 → 60), mostly because the capital cushion component weakened by 78 points.

TellerScore
597183Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202479
Q4 202481
Q1 202580
Q2 202582
Q3 202583
Q4 202583
Q1 202659
Q2 202660
Tier 1 leverage ratio
5.00%9.91%14.81%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202414.37%
Q3 202414.69%
Q4 202414.65%
Q1 202514.72%
Q2 202514.71%
Q3 202514.81%
Q4 202514.81%
Q1 20266.37%
Q2 20266.90%
Noncurrent loans
0.02%0.24%0.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.45%
Q3 20240.39%
Q4 20240.05%
Q1 20250.05%
Q2 20250.04%
Q3 20250.04%
Q4 20250.04%
Q1 20260.03%
Q2 20260.02%
Return on assets
0.42%0.64%0.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.65%
Q3 20240.61%
Q4 20240.58%
Q1 20250.42%
Q2 20250.66%
Q3 20250.77%
Q4 20250.86%
Q1 20260.84%
Q2 20260.79%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202660$488.8M6.90%0.02%0.79%72.2%
Q1 202659$495.1M6.37%0.03%0.84%73.0%
Q4 202583$511.7M14.81%0.04%0.86%72.1%
Q3 202583$499.0M14.81%0.04%0.77%72.8%
Q2 202582$489.1M14.71%0.04%0.66%72.0%
Q1 202580$488.0M14.72%0.05%0.42%67.4%
Q4 202481$481.3M14.65%0.05%0.58%67.0%
Q3 202479$485.8M14.69%0.39%0.61%63.1%
Q2 202478$474.8M14.37%0.45%0.65%65.1%

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 ratio6.90%
0th
Total risk-based capital11.37%
50th
Problem loans0.02%
83rd
Net charge-offs-0.02%
91st
Return on assets0.79%
23rd
Net interest margin4.45%
78th
Efficiency ratio75.8%
19th
Loans to deposits72.2%
66th
Uninsured deposits40.1%
10th
Loan-loss reserves2.49%
97th
Texas ratio0.2%
83rd

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
First State BankBank Clute, TX62 out of 100, Moderate$478.1M9.5%1.38%vs
The First National Bank of MertzonBank Mertzon, TX90 out of 100, Very strong$500.3M15.7%0.00%vs
Colonial Savings, F.A.Bank Fort Worth, TX76 out of 100, Strong$501.8M46.1%0.38%vs
Citizens State BankBank Sealy, TX76 out of 100, Strong$507.0M10.3%0.00%vs
MCBankBank Goldthwaite, TX55 out of 100, Moderate$467.2M10.0%2.57%vs
The First National Bank of LivingstonBank Livingston, TX98 out of 100, Very strong$467.2M15.5%0.05%vs

Deposit insurance

Is my money safe at Citizens Bank?

Yes. Citizens Bank is an FDIC-insured institution (FDIC certificate #16817). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 40.1% of deposits ($177.1M) 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 6.90%, slightly above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.37% (benchmark: 10%).

Check how much of your own balance is covered

11 locations

Branches

Citizens Bank lists 10 offices in 10 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Citizens Bank
Former names
Citizens State Bank & Trust Company; Allied Citizens Bank
Type
State-chartered bank
FDIC certificate #
16817
RSSD ID
744854
Primary regulator
FDIC
Holding company
East Texas Financial Corp
Established
July 24, 1949
Headquarters
301 E Main St, Kilgore, TX 75662
Employees
100

Quick answers

Citizens Bank: common questions

Is Citizens Bank FDIC insured?

Yes. Citizens Bank is an FDIC-insured institution (FDIC certificate #16817). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Citizens Bank's TellerScore?

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

Has Citizens Bank ever failed?

There is no failure record for FDIC certificate #16817 in the FDIC failed bank list.

How many branches does Citizens Bank have?

11 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Kilgore

InstitutionScoreAssetsCapitalProblem loansCompare
Sweetex Credit UnionCredit union Longview, TX94 out of 100, Very strong$9.4M39.4%0.00%vs
Eastman Credit UnionCredit union Kingsport, TN91 out of 100, Very strong$10.2B14.9%0.31%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
Community BankBank Longview, TX82 out of 100, Strong$315.5M11.9%0.00%vs