Citizens Bank is a state-chartered bank headquartered in Amarillo, Texas, in business for about 122 years. At the end of Q2 2026 it reported $309.8M in total assets and $273.4M in deposits, with 4 offices across 2 states.
Based on its Q2 2026 filing, Citizens Bank scores 82/100, which we describe as strong. That is higher than 82% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 68th. Its strongest component is loan quality (100/100; 0.01%), and its lowest is capital cushion (51/100; 10.07%).
TellerScore · Q2 2026
Scorecard
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
The score has been essentially flat from Q2 2025 to Q2 2026 (83 → 82).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 81 |
| Q3 2024 | 82 |
| Q4 2024 | 82 |
| Q1 2025 | 84 |
| Q2 2025 | 83 |
| Q3 2025 | 82 |
| Q4 2025 | 81 |
| Q1 2026 | 82 |
| Q2 2026 | 82 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.65% |
| Q3 2024 | 10.77% |
| Q4 2024 | 10.53% |
| Q1 2025 | 10.81% |
| Q2 2025 | 10.64% |
| Q3 2025 | 10.50% |
| Q4 2025 | 9.83% |
| Q1 2026 | 10.05% |
| Q2 2026 | 10.07% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.09% |
| Q3 2024 | 0.10% |
| Q4 2024 | 0.06% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.01% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.91% |
| Q3 2024 | 2.94% |
| Q4 2024 | 2.86% |
| Q1 2025 | 2.47% |
| Q2 2025 | 2.55% |
| Q3 2025 | 2.56% |
| Q4 2025 | 2.53% |
| Q1 2026 | 2.17% |
| Q2 2026 | 2.27% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 82 | $309.8M | 10.07% | 0.01% | 2.27% | 63.5% |
| Q1 2026 | 82 | $304.0M | 10.05% | 0.00% | 2.17% | 68.3% |
| Q4 2025 | 81 | $302.8M | 9.83% | 0.00% | 2.53% | 65.8% |
| Q3 2025 | 82 | $294.7M | 10.50% | 0.00% | 2.56% | 70.3% |
| Q2 2025 | 83 | $272.0M | 10.64% | 0.00% | 2.55% | 75.4% |
| Q1 2025 | 84 | $261.5M | 10.81% | 0.00% | 2.47% | 72.7% |
| Q4 2024 | 82 | $256.2M | 10.53% | 0.06% | 2.86% | 72.4% |
| Q3 2024 | 82 | $247.0M | 10.77% | 0.10% | 2.94% | 79.9% |
| Q2 2024 | 81 | $240.8M | 10.65% | 0.09% | 2.91% | 81.1% |
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).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Pecos County State BankBank Fort Stockton, TX | 73 out of 100, Strong | $309.4M | 11.6% | 0.98% | vs |
| First State BankBank Graham, TX | 81 out of 100, Strong | $308.8M | 10.1% | 0.00% | vs |
| Sundown State BankBank Sundown, TX | 79 out of 100, Strong | $307.7M | 11.6% | 0.84% | vs |
| Community BankBank Longview, TX | 82 out of 100, Strong | $315.5M | 11.9% | 0.00% | vs |
| ValueBank TexasBank Corpus Christi, TX | 85 out of 100, Very strong | $303.6M | 12.5% | 0.00% | vs |
| Citizens National Bank at BrownwoodBank Brownwood, TX | 74 out of 100, Strong | $303.4M | 10.5% | 0.74% | vs |
Deposit insurance
Is my money safe at Citizens Bank?
Yes. Citizens Bank is an FDIC-insured institution (FDIC certificate #3140). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 30.2% of deposits ($82.5M) 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 10.07%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
4 locations
Branches
Citizens Bank lists 4 offices in 4 cities across 2 states. Most locations:
- Amarillo, TX (1)
- Claude, TX (1)
- Tucumcari, NM (1)
- Tulia, TX (1)
Identity & history
Profile
- Legal name
- Citizens Bank
- Former names
- The First National Bank of Claude
- Type
- State-chartered bank
- FDIC certificate #
- 3140
- RSSD ID
- 885252
- Primary regulator
- FDIC
- Holding company
- Triple J Financial Inc
- Established
- February 4, 1904
- Headquarters
- 4117 S Georgia St, Amarillo, TX 79110
- Website
- www.gocitizensbank.com
- Employees
- 24
Quick answers
Citizens Bank: common questions
Is Citizens Bank FDIC insured?
Yes. Citizens Bank is an FDIC-insured institution (FDIC certificate #3140). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens Bank's TellerScore?
82 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 Bank ever failed?
There is no failure record for FDIC certificate #3140 in the FDIC failed bank list.
How many branches does Citizens Bank have?
4 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Amarillo
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank19Bank Memphis, TX | 90 out of 100, Very strong | $147.8M | 15.3% | 0.00% | vs |
| First National Bank of HerefordBank Hereford, TX | 84 out of 100, Strong | $344.6M | 12.3% | 0.05% | vs |
| BOC BankBank Mclean, TX | 81 out of 100, Strong | $203.4M | 12.4% | 0.00% | vs |
| Centennial BankBank Conway, AR | 79 out of 100, Strong | $24.6B | 12.6% | 0.55% | vs |
| Amarillo Postal Employees Credit UnionCredit union Amarillo, TX | 77 out of 100, Strong | $19.5M | 12.8% | 0.13% | vs |
| First United BankBank Dimmitt, TX | 77 out of 100, Strong | $2.4B | 11.2% | 0.41% | vs |