Headquartered in Woodville, Texas, Citizens State Bank is a state-chartered bank (fed member) with $511.4M in total assets and $449.2M in deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1920.
Citizens State Bank has a TellerScore of 44 out of 100 (below average) based on Q2 2026 data — higher than only 4% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 338th. Capital cushion contributes the most (82/100, 13.18%); loan quality contributes the least (0/100, 3.10%).
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 fell 35 points (79 → 44), mostly because the loan quality component weakened by 100 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 72 |
| Q3 2024 | 76 |
| Q4 2024 | 77 |
| Q1 2025 | 81 |
| Q2 2025 | 79 |
| Q3 2025 | 76 |
| Q4 2025 | 74 |
| Q1 2026 | 74 |
| Q2 2026 | 44 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.85% |
| Q3 2024 | 12.33% |
| Q4 2024 | 12.40% |
| Q1 2025 | 13.58% |
| Q2 2025 | 13.77% |
| Q3 2025 | 13.07% |
| Q4 2025 | 13.49% |
| Q1 2026 | 13.44% |
| Q2 2026 | 13.18% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.06% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.10% |
| Q1 2026 | 0.12% |
| Q2 2026 | 3.10% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.99% |
| Q3 2024 | 0.99% |
| Q4 2024 | 0.95% |
| Q1 2025 | 1.09% |
| Q2 2025 | 1.03% |
| Q3 2025 | 0.91% |
| Q4 2025 | 0.80% |
| Q1 2026 | 0.81% |
| Q2 2026 | 0.55% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 44 | $511.4M | 13.18% | 3.10% | 0.55% | 82.0% |
| Q1 2026 | 74 | $478.4M | 13.44% | 0.12% | 0.81% | 85.0% |
| Q4 2025 | 74 | $462.8M | 13.49% | 0.10% | 0.80% | 86.5% |
| Q3 2025 | 76 | $448.0M | 13.07% | 0.00% | 0.91% | 77.2% |
| Q2 2025 | 79 | $373.7M | 13.77% | 0.00% | 1.03% | 82.3% |
| Q1 2025 | 81 | $364.9M | 13.58% | 0.00% | 1.09% | 73.3% |
| Q4 2024 | 77 | $346.9M | 12.40% | 0.00% | 0.95% | 69.7% |
| Q3 2024 | 76 | $348.7M | 12.33% | 0.06% | 0.99% | 71.7% |
| Q2 2024 | 72 | $335.5M | 10.85% | 0.00% | 0.99% | 73.6% |
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 Republic Bank, National AssociationBank Frisco, TX | 71 out of 100, Strong | $510.6M | 13.3% | 1.06% | vs |
| Citizens State BankBank Sealy, TX | 76 out of 100, Strong | $507.0M | 10.3% | 0.00% | vs |
| The Brenham National BankBank Brenham, TX | 69 out of 100, Moderate | $517.7M | 11.8% | 1.54% | vs |
| State Bank of De KalbBank De Kalb, TX | 82 out of 100, Strong | $519.9M | 12.2% | 0.24% | vs |
| Colonial Savings, F.A.Bank Fort Worth, TX | 76 out of 100, Strong | $501.8M | 46.1% | 0.38% | vs |
| The First National Bank of MertzonBank Mertzon, TX | 90 out of 100, Very strong | $500.3M | 15.7% | 0.00% | vs |
Deposit insurance
Is my money safe at Citizens State Bank?
Yes. Citizens State Bank is an FDIC-insured institution (FDIC certificate #12303). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 54.5% of deposits ($244.7M) 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 13.18%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.00% (benchmark: 10%).
6 locations
Branches
Citizens State Bank lists 5 offices in 5 cities. Most locations:
- Austin, TX (1)
- Marlin, TX (1)
- Porter, TX (1)
- Warren, TX (1)
- Woodville, TX (1)
Identity & history
Profile
- Legal name
- Citizens State Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 12303
- RSSD ID
- 625065
- Primary regulator
- FED
- Holding company
- Grahamjb6 Co
- Established
- May 8, 1920
- Headquarters
- 102 W Bluff St, Woodville, TX 75979
- Website
- www.citizensbank.net
- Employees
- 65
Quick answers
Citizens State Bank: common questions
Is Citizens State Bank FDIC insured?
Yes. Citizens State Bank is an FDIC-insured institution (FDIC certificate #12303). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens State Bank's TellerScore?
44 out of 100 (Below average), 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 #12303 in the FDIC failed bank list.
How many branches does Citizens State Bank have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Woodville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Dugood Federal Credit UnionCredit union Beaumont, TX | 87 out of 100, Very strong | $609.4M | 13.4% | 0.09% | vs |
| Eastex Credit UnionCredit union Evadale, TX | 81 out of 100, Strong | $131.7M | 11.5% | 0.16% | vs |
| Prosperity BankBank El Campo, TX | 71 out of 100, Strong | $43.9B | 10.6% | 0.48% | vs |
| First State Bank of LivingstonBank Livingston, TX | 71 out of 100, Strong | $689.3M | 15.5% | 1.93% | vs |
| Rave Financial Credit UnionCredit union Beaumont, TX | 71 out of 100, Strong | $1.2B | 12.8% | 0.57% | vs |
| Education First Federal Credit UnionCredit union Beaumont, TX | 65 out of 100, Moderate | $583.1M | 9.1% | 0.62% | vs |