Citizens State Bank is a state-chartered bank headquartered in Miles, Texas, in business for about 89 years. At the end of Q2 2026 it reported $270.1M in total assets and $239.6M in deposits, with 2 offices.
Citizens State Bank has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 61% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 166th. Earnings contributes the most (100/100, 2.55%); funding & liquidity contributes the least (50/100, 87% loans-to-deposits, 36% uninsured).
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 3 points (78 → 75), mostly because the loan quality component weakened by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 79 |
| Q3 2024 | 79 |
| Q4 2024 | 79 |
| Q1 2025 | 73 |
| Q2 2025 | 78 |
| Q3 2025 | 79 |
| Q4 2025 | 69 |
| Q1 2026 | 71 |
| Q2 2026 | 75 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.27% |
| Q3 2024 | 10.32% |
| Q4 2024 | 10.37% |
| Q1 2025 | 10.62% |
| Q2 2025 | 10.71% |
| Q3 2025 | 10.41% |
| Q4 2025 | 10.10% |
| Q1 2026 | 10.51% |
| Q2 2026 | 10.74% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.64% |
| Q2 2025 | 0.15% |
| Q3 2025 | 0.00% |
| Q4 2025 | 1.00% |
| Q1 2026 | 0.88% |
| Q2 2026 | 0.44% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.51% |
| Q3 2024 | 2.49% |
| Q4 2024 | 2.56% |
| Q1 2025 | 2.68% |
| Q2 2025 | 2.70% |
| Q3 2025 | 2.60% |
| Q4 2025 | 2.61% |
| Q1 2026 | 2.40% |
| Q2 2026 | 2.55% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $270.1M | 10.74% | 0.44% | 2.55% | 87.4% |
| Q1 2026 | 71 | $280.5M | 10.51% | 0.88% | 2.40% | 81.9% |
| Q4 2025 | 69 | $273.8M | 10.10% | 1.00% | 2.61% | 82.9% |
| Q3 2025 | 79 | $278.5M | 10.41% | 0.00% | 2.60% | 81.2% |
| Q2 2025 | 78 | $258.4M | 10.71% | 0.15% | 2.70% | 85.7% |
| Q1 2025 | 73 | $249.8M | 10.62% | 0.64% | 2.68% | 88.0% |
| Q4 2024 | 79 | $244.7M | 10.37% | 0.00% | 2.56% | 84.5% |
| Q3 2024 | 79 | $240.8M | 10.32% | 0.00% | 2.49% | 81.9% |
| Q2 2024 | 79 | $230.4M | 10.27% | 0.00% | 2.51% | 83.6% |
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 |
|---|---|---|---|---|---|
| Farmers and Merchants BankBank De Leon, TX | 85 out of 100, Very strong | $269.8M | 12.0% | 0.00% | vs |
| Castroville State BankBank Castroville, TX | 76 out of 100, Strong | $269.7M | 10.9% | 0.00% | vs |
| Anahuac National BankBank Anahuac, TX | 68 out of 100, Moderate | $266.4M | 10.1% | 0.37% | vs |
| The First National Bank of BallingerBank Ballinger, TX | 81 out of 100, Strong | $275.3M | 10.5% | 0.03% | vs |
| Bank of DeSoto, National AssociationBank De Soto, TX | 70 out of 100, Strong | $264.6M | 10.1% | 0.98% | vs |
| Texas Financial BankBank Eden, TX | 61 out of 100, Moderate | $264.6M | 11.7% | 1.00% | vs |
Deposit insurance
Is my money safe at Citizens State Bank?
Yes. Citizens State Bank is an FDIC-insured institution (FDIC certificate #15519). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 35.6% of deposits ($85.4M) 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 10.74%, 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:
- Miles, TX (1)
- San Angelo, TX (1)
Identity & history
Profile
- Legal name
- Citizens State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 15519
- RSSD ID
- 296755
- Primary regulator
- FDIC
- Holding company
- Csb Financial Corp
- Established
- August 2, 1937
- Headquarters
- 111 S Robinson St, Miles, TX 76861
- Website
- www.citizensstatebk.com
- Employees
- 26
Quick answers
Citizens State Bank: common questions
Is Citizens State Bank FDIC insured?
Yes. Citizens State Bank is an FDIC-insured institution (FDIC certificate #15519). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens State Bank's TellerScore?
75 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 #15519 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 Miles
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Texas State BankBank San Angelo, TX | 91 out of 100, Very strong | $425.5M | 13.6% | 0.00% | vs |
| The First National Bank of MertzonBank Mertzon, TX | 90 out of 100, Very strong | $500.3M | 15.7% | 0.00% | vs |
| San Angelo Federal Credit UnionCredit union San Angelo, TX | 84 out of 100, Strong | $40.6M | 12.9% | 0.73% | vs |
| The First National Bank of Sterling CityBank Sterling City, TX | 82 out of 100, Strong | $240.1M | 11.6% | 0.00% | vs |
| The First National Bank of BallingerBank Ballinger, TX | 81 out of 100, Strong | $275.3M | 10.5% | 0.03% | vs |
| Sundown State BankBank Sundown, TX | 79 out of 100, Strong | $307.7M | 11.6% | 0.84% | vs |