# CITIZENS STATE BANK
TENAHA, TX · FDIC certificate 18148 · asset band <$300M · latest filing 2013-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $37.3M | |
| Deposits | $32.8M | |
| Loans and leases | $10.3M | |
| Total equity | $4.2M | |
| Loans / deposits | 30.44% (p6 of band) | 69.26% |
| Liquid assets / assets | 70.82% (p95 of band) | |
| Uninsured deposits / deposits | 8.10% (p29 of band) | 12.49% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.67% (p78 of band) | 10.29% |
| Unrealized securities loss / equity | -16.64% (p6 of band) | -1.01% |
| AOCI / equity | -13.68% (p12 of band) | |
| ROA (annualized) | 0.07% (p12 of band) | 0.76% |
| Net interest margin | 3.92% (p66 of band) | 3.63% |
| Efficiency ratio | 87.77% (p78 of band) | |
| Noncurrent loans | 6.01% (p95 of band) | 0.94% |
| Net charge-offs (annualized) | 0.23% (p76 of band) | |
| Reserve coverage of noncurrent | 58.29% | |
| Real estate % of loans | 46% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $3.8M (36.52% of loans; DQ 6.91%, NCO 0.09%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.1% | |
| Employees | 8 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **auto book souring** (`conc_auto`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 2 | reserve under noncurrent, auto book souring |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | auto book souring |
| 2012-06 | 3 | capital falling, charge-offs p90, auto book souring | reserve under noncurrent |
| 2012-09 | 3 | reserve under noncurrent | capital falling |
| 2012-12 | 2 |  | reserve under noncurrent |
| 2013-03 | 1 |  | charge-offs p90 |
| 2013-06 | 1 |  |  |
| 2013-09 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2013-12 | 3 |  |  |

## 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=18148 (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/36.json (key "18148", 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