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.

From Q2 2025 to Q2 2026, the score fell 3 points (69 → 66), mostly because the loan quality component weakened by 11 points.

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

Yes. Citizens State Bank is an FDIC-insured institution (FDIC certificate #16753). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 40.8% of deposits ($428.3M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.95%, 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%).

Check how much of your own balance is covered

Citizens State Bank lists 7 offices in 7 cities. Most locations:

• Brenham, TX (1)
• Burton, TX (1)
• Caldwell, TX (1)
• Deanville, TX (1)
• Navasota, TX (1)
• Snook, TX (1)
• Somerville, TX (1)

All branch addresses and map

In 2025, Citizens State Bank reported 212 home-loan applications under HMDA (LEI 549300DLHIZLJ7617Q04): 157 originated ($43,305,000 total), 12 denied, and 33 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Citizens State Bank

Type

State-chartered bank

FDIC certificate #

16753

RSSD ID

261360

Primary regulator

FDIC

Holding company

C S B Bancshares Inc

Established

June 1, 1925

Headquarters

155 8th St, Somerville, TX 77879

Website

www.csbtx.bank

Employees

150