# CITIZENS 1ST BANK
TYLER, TX · FDIC certificate 1715 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $811.0M | |
| Deposits | $615.5M | |
| Loans and leases | $481.6M | |
| Total equity | $147.8M | |
| Loans / deposits | 77.81% (p41 of band) | 82.04% |
| Liquid assets / assets | 39.75% (p82 of band) | |
| Uninsured deposits / deposits | 58.26% (p97 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.44% (p60 of band) | |
| FHLB advances / assets | 4.73% | |
| Tier 1 leverage | 20.52% (p97 of band) | 10.81% |
| Unrealized securities loss / equity | -16.66% (p28 of band) | -8.10% |
| AOCI / equity | 0.27% (p88 of band) | |
| ROA (annualized) | 1.71% (p76 of band) | 1.28% |
| Net interest margin | 2.82% (p7 of band) | 3.91% |
| Efficiency ratio | 37.41% (p3 of band) | |
| Noncurrent loans | 0.53% (p55 of band) | 0.43% |
| Net charge-offs (annualized) | 0.15% (p89 of band) | |
| Reserve coverage of noncurrent | 100.98% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 54.02% (p60 of band) | |
| Auto loans | $1.8M (0.38% of loans; DQ 2.12%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 7.9% | |
| Employees | 60 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | reserve under noncurrent |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 3 | NIM <2.5% |  |
| 2013-06 | 4 | deposits shrinking |  |
| 2013-09 | 4 | assets shrinking | deposits shrinking |
| 2013-12 | 5 | deposits shrinking |  |
| 2014-03 | 3 |  | reserve under noncurrent, NIM <2.5% |
| 2014-06 | 1 |  | assets shrinking, deposits shrinking |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 | reserve under noncurrent | wholesale funding >15% |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | reserve under noncurrent |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | wholesale funding >15% |  |
| 2017-09 | 1 | uninsured deposits >50% | wholesale funding >15% |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 | wholesale funding >15% | uninsured deposits >50% |
| 2018-09 | 0 |  | wholesale funding >15% |
| 2018-12 | 1 | uninsured deposits >50% |  |
| 2019-03 | 2 | NIM <2.5% |  |
| 2019-06 | 2 | wholesale funding >15%, deposits shrinking | uninsured deposits >50%, NIM <2.5% |
| 2019-09 | 1 |  | deposits shrinking |
| 2019-12 | 1 | deposits shrinking | wholesale funding >15% |
| 2020-03 | 1 | NIM <2.5% | deposits shrinking |
| 2020-06 | 0 |  | NIM <2.5% |
| 2020-09 | 0 |  |  |
| 2020-12 | 2 | uninsured deposits >50%, capital falling |  |
| 2021-03 | 3 | NIM <2.5% |  |
| 2021-06 | 2 |  | capital falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 3 | reserve under noncurrent |  |
| 2022-03 | 2 |  | reserve under noncurrent |
| 2022-06 | 4 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 4 | assets shrinking | NIM <2.5% |
| 2022-12 | 4 |  |  |
| 2023-03 | 4 | NIM <2.5% | AOCI drag >20% of equity |
| 2023-06 | 3 |  | assets shrinking |
| 2023-09 | 3 |  |  |
| 2023-12 | 5 | capital falling, reserve under noncurrent |  |
| 2024-03 | 6 | deposits shrinking |  |
| 2024-06 | 4 |  | capital falling, deposits shrinking |
| 2024-09 | 3 |  | securities losses >30% of equity |
| 2024-12 | 4 | securities losses >30% of equity |  |
| 2025-03 | 4 | capital falling | securities losses >30% of equity |
| 2025-06 | 2 |  | NIM <2.5%, capital falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 1 |  | reserve under noncurrent |

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

- 2022-04-30 [Cory Beasley becomes Citizens 1st Bank director - Tyler Morning Telegraph](https://news.google.com/rss/articles/CBMiigFBVV95cUxPcW5YNWlWd184RUZIVDVWMExJNTNJT0ZLaWVWRWtrUVlJTGpaQXVNaldOaW1CcmkxM1dsZHRUQVlFdmZJd0hpVWg3dnJpNUpGWGhZZ3hLY2NyaklYRnpZaDg4RG40bUpPQ1NBZWFBem8zajFmS2NoS2Z5S1RudTlQckk4MXBzTEhxLVE?oc=5) · Tyler Morning Telegraph
- 2023-01-26 [Jim and Margaret Perkins recognized with the 2023 Texas Higher Education Distinguished Service Award - Stephen F. Austin State](https://news.google.com/rss/articles/CBMirgFBVV95cUxOdjZtak16UTFyZWsxS3UtYzlnSjJ1ejFTaVMwTmI3UjVhTzNnOFAyYTNwUDJZVjZiVmRLXzA3UnprNFZpdVBhb2ZLczA3NmJFMlB1a1BvUjNmbGJwVDVwTnZ2dVhPbkczM1BMalRZSUlzYnlqeDdqNndMZ3dnOFNBMWppMlBteWhLdy02VDNZeDMtU0t2M3MtR09pS2ZnZVFERW1oV2k0NTdWbW93cVE?oc=5) · Stephen F. Austin State
- 2025-10-07 [Kevin P. Eltife - The University of Texas System](https://news.google.com/rss/articles/CBMid0FVX3lxTE54WGVoYWkwOU1UV0t5VXo1WkZrVEFyNERfVEtzSVlrNHN0WGRRcTdLdV9kVnVUbERlTF9NTWVNSlYxRE1iMXUycEg4WFhXRjVDRHNVYXdlaXhqOF90V2RxMGNaY3V5QVdTd254NDN0TGJoSnhaZlhB?oc=5) · The University of Texas System
- 2024-08-28 [UT System pledges resources to SFA - The Lufkin Daily News](https://news.google.com/rss/articles/CBMiywFBVV95cUxNU216LVo3eXotSEJka0k1SXg3X2Q5aWVjMVVGaWoydGtzODZUSUZQM29SZnJGbkdEbEo5QWt1THkyZW0wR2xaS1BJelhCMzZYTVJDT01MZ0FxcXZHWVdPMkZzczdhTXVuREx1Sk1EWTlhcGhXZllmN2FydGd0TkRSc0o0TVMtNkVmcVlnQUtDY0hlNmFsaVNZRVNhekVuYzBCNjdaTF9YUjFlRjZOOXdyMVVoSU0xZlF0S0NWS2pKdXIxOVdlYURBSzYyOA?oc=5) · The Lufkin Daily News
- 2025-12-01 [Cindy German Obituary - Nacogdoches, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxPM1M4TzNUanRRWWJjWHViN3I2SmRZNW1ndTU0QWtONG9LMnBCNGstZHp3YkV0Y3Fmd1dZV1B1Q0lma0czcEN4UExoWFRKV0JKUm5xM0J6YXozWHlrbXpaRjd1SmZGaEVZVDdOSEhhMnhzSFZmenNmSG5tcVdfRkxXeXpMTmNHZw?oc=5) · Dignity Memorial
- 2011-05-06 [Perkins to offer SFA commencement address to record number of graduates - Stephen F. Austin State](https://news.google.com/rss/articles/CBMirAFBVV95cUxNOGhpYXNkSXRLNURmVlptcHNuSi1TX3lMZWhMTzhTU3FVTG8za0xpZ1N4VDhYNExiaVV1SmdTUGs5V1JqLU55TnctVTBQVlRlYVNIbUJIUG5WSEVYaTZQdWxBVkkwb3J1ek4wVC14Z2JPV0tteEJLUlR2bS1xWmJ3ZGJkZU1QRTVxYVVHQVZYZ1hiVVBtZ0JBeEpiVExWQ2tkUm1heUFYX2lsdkNB?oc=5) · Stephen F. Austin State
- 2023-11-25 [Elizabeth Shipley Obituary - Nacogdoches, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMijAFBVV95cUxQTGZIZTRaZTd4YzVfY3lsYTZzTFE1c1d0OFlKdlpIaENfSWxWQm9pcnpLOF92WXZ4RkJ6aHlJS0FlQU1MNU15VnZ1bkZtWUtteXN3RFI2cTFFNTJ6U1k0Tk4wLXJja0U5c2hTOVZVdFJMYWE3d0dVeEF1YndSYjZUbWctWkQ2Z0FoRTlCeQ?oc=5) · Dignity Memorial
- 2025-03-03 [TJC Board of Trustees honors Margaret and Jim Perkins for their philanthropic leadership - Tyler Morning Telegraph](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPMFpuQ0VEbVFBSzN0TWZ3aENiNVdNaXl6dEVLV1VOMU5VNUg2YjRUVFhWbjh6VDU2RU8xYkRDSVJJa1YyanFGUVhfQ2hBaERPUVVRd2dPS3hULW5qOVNqM1NrVm41anI1djYzLWN6N0dlZkEwdzRId2NhTVVqNmE0akZzV2hXRWJQNlY2ZzBWV0JZaW5NdXo0S3V1Z2lfUmU3RGFRakJpMUs1WW9MVzZvSFB1Y3dSNjJ1LXJqcktkWlY?oc=5) · Tyler Morning Telegraph

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1715 (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/51.json (key "1715", 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.

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