Citizens State Bank (FDIC certificate #11905) is based in Corrigan, Texas. Its Q2 2026 call report shows $190.6M in total assets and $165.7M in deposits and 2 offices.
Based on its Q2 2026 filing, Citizens State 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 63rd. Its strongest component is earnings (97/100; 1.91%), and its lowest is capital cushion (70/100; 12.04%).
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
From Q2 2025 to Q2 2026, the score rose 6 points (77 → 83), mostly because the loan quality component improved by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 71 |
| Q3 2024 | 73 |
| Q4 2024 | 73 |
| Q1 2025 | 75 |
| Q2 2025 | 77 |
| Q3 2025 | 78 |
| Q4 2025 | 77 |
| Q1 2026 | 78 |
| Q2 2026 | 83 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.20% |
| Q3 2024 | 11.33% |
| Q4 2024 | 11.05% |
| Q1 2025 | 11.22% |
| Q2 2025 | 11.45% |
| Q3 2025 | 11.68% |
| Q4 2025 | 11.48% |
| Q1 2026 | 11.92% |
| Q2 2026 | 12.04% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.23% |
| Q3 2024 | 1.15% |
| Q4 2024 | 1.10% |
| Q1 2025 | 1.02% |
| Q2 2025 | 0.82% |
| Q3 2025 | 0.87% |
| Q4 2025 | 0.90% |
| Q1 2026 | 0.96% |
| Q2 2026 | 0.50% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.74% |
| Q3 2024 | 1.80% |
| Q4 2024 | 1.85% |
| Q1 2025 | 1.91% |
| Q2 2025 | 1.83% |
| Q3 2025 | 1.85% |
| Q4 2025 | 1.88% |
| Q1 2026 | 1.94% |
| Q2 2026 | 1.91% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 83 | $190.6M | 12.04% | 0.50% | 1.91% | 72.8% |
| Q1 2026 | 78 | $189.9M | 11.92% | 0.96% | 1.94% | 71.4% |
| Q4 2025 | 77 | $187.1M | 11.48% | 0.90% | 1.88% | 73.4% |
| Q3 2025 | 78 | $187.4M | 11.68% | 0.87% | 1.85% | 72.9% |
| Q2 2025 | 77 | $187.0M | 11.45% | 0.82% | 1.83% | 74.0% |
| Q1 2025 | 75 | $189.3M | 11.22% | 1.02% | 1.91% | 72.4% |
| Q4 2024 | 73 | $183.1M | 11.05% | 1.10% | 1.85% | 73.5% |
| Q3 2024 | 73 | $188.2M | 11.33% | 1.15% | 1.80% | 70.0% |
| Q2 2024 | 71 | $181.4M | 11.20% | 1.23% | 1.74% | 71.6% |
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 |
|---|---|---|---|---|---|
| Texas Advantage Community Bank, National AssociationBank Alvin, TX | 44 out of 100, Below average | $192.1M | 11.3% | 7.09% | vs |
| Peoples BankBank Paris, TX | 76 out of 100, Strong | $185.4M | 9.6% | 0.25% | vs |
| Farmers State BankBank Groesbeck, TX | 79 out of 100, Strong | $196.0M | 9.4% | 0.04% | vs |
| First State Bank of Ben Wheeler, TexasBank Ben Wheeler, TX | 95 out of 100, Very strong | $185.1M | 15.7% | 0.07% | vs |
| First State BankBank Spearman, TX | 53 out of 100, Below average | $184.0M | 12.6% | 4.44% | vs |
| First Security State BankBank Cranfills Gap, TX | 73 out of 100, Strong | $183.1M | 7.6% | 0.02% | vs |
Deposit insurance
Is my money safe at Citizens State Bank?
Yes. Citizens State Bank is an FDIC-insured institution (FDIC certificate #11905). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 20.3% of deposits ($33.6M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.04%, 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%).
2 locations
Branches
Citizens State Bank lists 2 offices in 2 cities. Most locations:
- Corrigan, TX (1)
- Groveton, TX (1)
Identity & history
Profile
- Legal name
- Citizens State Bank
- Former names
- The Citizens State Bank, Corrigan, Texas
- Type
- State-chartered bank
- FDIC certificate #
- 11905
- RSSD ID
- 899651
- Primary regulator
- FDIC
- Holding company
- Citizens State Financial Corp
- Established
- January 1, 1919
- Headquarters
- 300 N Home St, Corrigan, TX 75939
- Website
- www.csbanktx.com
- Employees
- 27
Quick answers
Citizens State Bank: common questions
Is Citizens State Bank FDIC insured?
Yes. Citizens State Bank is an FDIC-insured institution (FDIC certificate #11905). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens State 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 State Bank ever failed?
There is no failure record for FDIC certificate #11905 in the FDIC failed bank list.
How many branches does Citizens State Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Corrigan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First National Bank of LivingstonBank Livingston, TX | 98 out of 100, Very strong | $467.2M | 15.5% | 0.05% | vs |
| Commercial Bank of Texas, National AssociationBank Nacogdoches, TX | 77 out of 100, Strong | $1.7B | 10.6% | 0.14% | vs |
| Southside BankBank Tyler, TX | 75 out of 100, Strong | $8.8B | 11.4% | 0.19% | vs |
| First State Bank of LivingstonBank Livingston, TX | 71 out of 100, Strong | $689.3M | 15.5% | 1.93% | vs |
| UBankBank Huntington, TX | 69 out of 100, Moderate | $1.0B | 10.5% | 0.46% | vs |
| Peoples State BankBank Shepherd, TX | 68 out of 100, Moderate | $181.2M | 10.7% | 1.25% | vs |