Headquartered in Anton, Texas, Citizens State Bank is a state-chartered bank with $80.7M in total assets and $67.0M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1947.
Citizens State Bank has a TellerScore of 84 out of 100 (strong) based on Q2 2026 data — higher than 76% of its 546 banks with under $100 million in assets. Among 349 banks headquartered in Texas, it ranks 57th. Capital cushion contributes the most (100/100, 15.98%); earnings contributes the least (53/100, 0.82%).
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 8 points (92 → 84), mostly because the earnings component weakened by 30 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 90 |
| Q3 2024 | 90 |
| Q4 2024 | 90 |
| Q1 2025 | 89 |
| Q2 2025 | 92 |
| Q3 2025 | 89 |
| Q4 2025 | 88 |
| Q1 2026 | 79 |
| Q2 2026 | 84 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 16.44% |
| Q3 2024 | 16.59% |
| Q4 2024 | 16.82% |
| Q1 2025 | 16.87% |
| Q2 2025 | 16.41% |
| Q3 2025 | 16.78% |
| Q4 2025 | 16.98% |
| Q1 2026 | 16.45% |
| Q2 2026 | 15.98% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.04% |
| Q3 2024 | 0.07% |
| Q4 2024 | 0.10% |
| Q1 2025 | 0.05% |
| Q2 2025 | 0.03% |
| Q3 2025 | 0.04% |
| Q4 2025 | 0.03% |
| Q1 2026 | 0.61% |
| Q2 2026 | 0.01% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.45% |
| Q3 2024 | 1.40% |
| Q4 2024 | 1.35% |
| Q1 2025 | 1.15% |
| Q2 2025 | 1.57% |
| Q3 2025 | 1.30% |
| Q4 2025 | 1.15% |
| Q1 2026 | 0.68% |
| Q2 2026 | 0.82% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 84 | $80.7M | 15.98% | 0.01% | 0.82% | 99.5% |
| Q1 2026 | 79 | $81.6M | 16.45% | 0.61% | 0.68% | 94.8% |
| Q4 2025 | 88 | $80.4M | 16.98% | 0.03% | 1.15% | 90.8% |
| Q3 2025 | 89 | $76.7M | 16.78% | 0.04% | 1.30% | 95.1% |
| Q2 2025 | 92 | $80.1M | 16.41% | 0.03% | 1.57% | 89.9% |
| Q1 2025 | 89 | $78.9M | 16.87% | 0.05% | 1.15% | 86.8% |
| Q4 2024 | 90 | $78.3M | 16.82% | 0.10% | 1.35% | 88.6% |
| Q3 2024 | 90 | $77.9M | 16.59% | 0.07% | 1.40% | 88.8% |
| Q2 2024 | 90 | $76.1M | 16.44% | 0.04% | 1.45% | 94.1% |
546 peers · Under $100 million in assets
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 City National Bank of San SabaBank San Saba, TX | 81 out of 100, Strong | $80.0M | 12.0% | 0.00% | vs |
| Atascosa BankBank Pleasanton, TX | 61 out of 100, Moderate | $81.7M | 15.2% | 2.89% | vs |
| The First National Bank in FalfurriasBank Falfurrias, TX | 79 out of 100, Strong | $79.4M | 9.8% | 0.08% | vs |
| Zavala County BankBank Crystal City, TX | 93 out of 100, Very strong | $79.0M | 15.7% | 0.03% | vs |
| Pavillion BankBank Richardson, TX | 84 out of 100, Strong | $78.4M | 15.5% | 0.00% | vs |
| First National Bank of South Padre IslandBank South Padre Island, TX | 84 out of 100, Strong | $78.2M | 14.1% | 1.24% | vs |
Deposit insurance
Is my money safe at Citizens State Bank?
Yes. Citizens State Bank is an FDIC-insured institution (FDIC certificate #16581). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 14.8% of deposits ($9.9M) are above the $250,000 FDIC insurance limit, close to the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 15.98%, 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%).
3 locations
Branches
Citizens State Bank lists 2 offices in 2 cities. Most locations:
- Anton, TX (1)
- Lubbock, TX (1)
Identity & history
Profile
- Legal name
- Citizens State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 16581
- RSSD ID
- 489155
- Primary regulator
- FDIC
- Holding company
- Anton Bancshares Inc
- Established
- June 7, 1947
- Headquarters
- 224 N Main St, Anton, TX 79313
- Website
- csbanton.com
- Employees
- 17
Quick answers
Citizens State Bank: common questions
Is Citizens State Bank FDIC insured?
Yes. Citizens State Bank is an FDIC-insured institution (FDIC certificate #16581). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens State Bank's TellerScore?
84 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 #16581 in the FDIC failed bank list.
How many branches does Citizens State Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Anton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens Federal Credit UnionCredit union Big Spring, TX | 90 out of 100, Very strong | $201.9M | 14.6% | 0.13% | vs |
| Littlefield School Employees Federal Credit UnionCredit union Littlefield, TX | 84 out of 100, Strong | $1.0M | 18.9% | 0.09% | vs |
| First State BankBank Shallowater, TX | 84 out of 100, Strong | $150.8M | 15.9% | 0.23% | vs |
| First Federal Bank Littlefield, TexasBank Littlefield, TX | 82 out of 100, Strong | $67.9M | 17.4% | 0.44% | vs |
| Sundown State BankBank Sundown, TX | 79 out of 100, Strong | $307.7M | 11.6% | 0.84% | vs |
| Centennial BankBank Conway, AR | 79 out of 100, Strong | $24.6B | 12.6% | 0.55% | vs |