# CITIZENS STATE BANK
GANADO, TX · FDIC certificate 16934 · asset band <$300M · latest filing 2025-03 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $57.8M | |
| Deposits | $54.0M | |
| Loans and leases | $10.3M | |
| Total equity | $3.5M | |
| Loans / deposits | 18.73% (p5 of band) | 70.65% |
| Liquid assets / assets | 78.54% (p96 of band) | |
| Uninsured deposits / deposits | 15.90% (p36 of band) | 19.26% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p22 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.31% (p18 of band) | 11.50% |
| Unrealized securities loss / equity | -81.99% (p6 of band) | -11.46% |
| AOCI / equity | 8.17% (p96 of band) | |
| ROA (annualized) | -0.28% (p6 of band) | 1.00% |
| Net interest margin | 3.15% (p26 of band) | 3.68% |
| Efficiency ratio | 111.23% (p95 of band) | |
| Noncurrent loans | 0.00% (p13 of band) | 0.28% |
| Net charge-offs (annualized) | 0.00% (p43 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 86% | |
| Construction % of loans | 0.55% (p19 of band) | |
| Auto loans | $164,000 (1.59% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.2% | |
| Employees | 13 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **securities losses >30% of equity** (`cap_secloss`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | leverage <7%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 1 |  | reserve under noncurrent |
| 2011-12 | 0 |  | leverage <7% |
| 2012-03 | 1 | NIM <2.5% |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | leverage <7% |  |
| 2012-12 | 3 | capital falling |  |
| 2013-03 | 4 | losing money, expense ratio p90 | capital falling |
| 2013-06 | 5 | AOCI drag >20% of equity |  |
| 2013-09 | 7 | securities losses >30% of equity, assets shrinking |  |
| 2013-12 | 6 |  | assets shrinking |
| 2014-03 | 7 | capital falling, uninsured deposits leaving | AOCI drag >20% of equity |
| 2014-06 | 5 |  | securities losses >30% of equity, capital falling |
| 2014-09 | 5 |  |  |
| 2014-12 | 5 | capital falling | uninsured deposits leaving |
| 2015-03 | 5 |  |  |
| 2015-06 | 5 |  |  |
| 2015-09 | 5 |  |  |
| 2015-12 | 6 | uninsured deposits leaving |  |
| 2016-03 | 4 |  | capital falling, uninsured deposits leaving |
| 2016-06 | 3 |  | leverage <7% |
| 2016-09 | 3 |  |  |
| 2016-12 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2017-03 | 4 |  | assets shrinking, uninsured deposits leaving |
| 2017-06 | 6 | assets shrinking, uninsured deposits leaving |  |
| 2017-09 | 6 |  |  |
| 2017-12 | 4 |  | deposits shrinking, assets shrinking |
| 2018-03 | 7 | securities losses >30% of equity, deposits shrinking, assets shrinking |  |
| 2018-06 | 6 |  | uninsured deposits leaving |
| 2018-09 | 5 |  | deposits shrinking |
| 2018-12 | 4 |  | assets shrinking |
| 2019-03 | 2 |  | NIM <2.5%, securities losses >30% of equity |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | losing money |
| 2019-12 | 1 |  |  |
| 2020-03 | 3 | losing money, NIM <2.5% |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 4 | AOCI drag >20% of equity |  |
| 2022-06 | 7 | securities losses >30% of equity, noncurrent p90, reserve under noncurrent |  |
| 2022-09 | 7 |  |  |
| 2022-12 | 6 | assets shrinking | NIM <2.5%, noncurrent p90 |
| 2023-03 | 4 | deposits shrinking | losing money, AOCI drag >20% of equity, reserve under noncurrent |
| 2023-06 | 4 |  |  |
| 2023-09 | 6 | AOCI drag >20% of equity, uninsured deposits leaving |  |
| 2023-12 | 5 |  | AOCI drag >20% of equity |
| 2024-03 | 5 | losing money | uninsured deposits leaving |
| 2024-06 | 5 |  |  |
| 2024-09 | 3 |  | assets shrinking, deposits shrinking |
| 2024-12 | 4 | capital falling |  |
| 2025-03 | 4 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-05 [Citizens State Bank branch in Fishers advances after drive-through removed - LarryInFishers](https://news.google.com/rss/articles/CBMioAFBVV95cUxPd0xiSzZUdHMwcy1Xamp2aVpEWlhuME1Bb2RaV0o2Q25GdmdrWEVnM21TVUFXazZUS2l5WXB2X1UzSUlzOWVIdjJJWnEwdDFTNU1zNDNNX3kyQWZHVG1XTVRfMXJ0Uks0VkVuTEVhS2IyblNWZG5VVWZFalVlazJDbjhROUUzZ0ZSMnBWdXdWZ2dGTE1uQ0xlV2ctUERtS2xY?oc=5) · LarryInFishers
- 2026-04-01 [Johnny Brooks is Mr. East Texas for 2026 - easttexasnews.com](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPUU5nR3paTkFUYWxyUzZHZHBtamRSbEpZSklZRnU1RmZTWjVzYnR1UEhuSVBjUXd2aHJRSXNfZXlHWFFtQnNWN0E1NE5NWXdfSGJHRGJPaDdRaXRlSnJ5MUZvcnVGUDc5Ymg3dUZuNHo0dDlpVXMzaGRhd1VFa1JUOFFVY1Vjc0wtQ05fSENLbURKVzJsRWQzb2JRM1V5Q0JFZGF2aUE5cWhMVzBMUTZ1TS12cWxmQjY5VFBOR3BpNElrTGs?oc=5) · easttexasnews.com
- 2026-03-31 [Area's bright future 'a daily blessing' — Flencher - SouthTexasNews.com](https://news.google.com/rss/articles/CBMi5wFBVV95cUxOcUljWnlpYWsySWNhbjdObXM4SUZma3NQWmNnMWw0TlJUd2ZYcjFOay1pTmR4MXRqc3p2elFGOENMTUZwQjllTHo0RW1OcTM1MC01X0trUFB5am1oMG1uN3d2SHdKM3l4X2VHanY0RTVzd0tFakg2OXFfZi05WS16cldjZXlSTEd1cmNWQl90TVl1SmVhM0lBMXlweTBrUmR1YThjT002T0lSRER4akFDNXhlV1NHR2hUdnBzdFN0ckR6eHhSbFBDdjRXd0pjekxsSEdSMU1WTlpwSEVoTFh2akppdDNlTE0?oc=5) · SouthTexasNews.com
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-01-27 [Brooks named to Federal Reserve governing board - easttexasnews.com](https://news.google.com/rss/articles/CBMizgFBVV95cUxQQnAtS3FuaUxBS0JOSkJSXzZsaks0MXZzNDJDY3Uzd1VOX1VXM1JQUlZnVUVZVmJNZlFCSTN6bW5VbFJZRVZraUVPeHB0bDJrXzR5QURfUDNoN2ZMSzJQMFlFTUhpTUVWNnFrbmRscE9feXVwRW5qRjY2WmU4aFBXaGdJcENhcHVLQU10QkdxcHJhWFc1clRLcDhLc1dJTGo5X3ZJM1RxMTNQdUdXeUZGb3FrTjdQREItQlZlamFvWXhNdURNZGJYX1FpT3prUQ?oc=5) · easttexasnews.com
- 2026-02-11 [Man robs bank day before wedding to pay for ring and ceremony, gets caught by fiancee on social media - ABC News - Breaking News, Latest News and Videos](https://news.google.com/rss/articles/CBMijAFBVV95cUxON0VzMDBTbVhjQ2pGYzZSX1hMdDZqV2ctMW9kU2VCZ2c3SHVReWtRY3lzR281NEdzRlBJRFNBVHo3OWdiUGZUS0pFRm9FN2J0WTY2REVyalZRMHc4clQyWnNtWVFLWm5FRTUwN01MUkRSdEpra3pKUTJkTEpDWVZJaC1QTmQ2TGxLZDhfZ9IBkgFBVV95cUxNX2xJU1pEeFhmeVF0ekdiV2lPUjIzRnF6bGNJVzlHWmFZWm1MWjJlT3drbXkydzhTWElJeEJsWUtZMHhfaUNPdHFUU1ZFckg5VFVqbHVjTThaVGZVYno2a1BHYk8xQUhKa1BkNHhCa1VWMkl2Vk1aSDkyd2dPRmhsdXhaQ2lRVWFvd1FISjNSMzBfdw?oc=5) · ABC News - Breaking News, Latest News and Videos
- 2025-05-29 [Citizens State Bank enters Austin with a focus on small businesses - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNX09nZjBNNTNIR3NoU1BYOExOR2xpejdnaGdHRHhzRktERXpfMHVPaDNCbXdnUXNCYndzVF96RTZIRjAxZV8yRngybE5Bbkdrdl84WnBjb190RDJhNXFnRFdnbFEtN083TUNGTVN4LUF1VXRldDdZUlhlVkUtM2J4Uzd1ZU4yMGtsclZ2S1g5Nk55dkR3YWk2bTQ0ZV8yZUw4RFFJakY4NUQyUQ?oc=5) · The Business Journals
- 2025-05-08 [Citizens State Bank to join Cadence Bank after merger - lakelander.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPdDV5bWdJMXJLNGJKNGZUTDJ2X1k3WVhMaHQ0c3ZxdVExV2hPZXNjenJPUDdJZ25iZ0Q1eFlRVm9keVpremFmeGlpQXFka29oR1NOak1OanJObTJic3hJa1Y3eUZWd1RmUUZwNFdFRWp6OXh6NVVUMVRvRTJJSjUyUVpEUmxhQ1lkZUtOTS1KUTZyUQ?oc=5) · lakelander.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16934 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/38.json (key "16934", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide