| Weiss Ratings |
Citizens State Bank
Woodville, TX |
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| Rating | ||||
| Asset Quality Index | 5.40 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 2.20 | |||
| Profitability Index | 1.50 | |||
| Stability Index | 5.80 | |||
| Company Info |
Citizens State Bank
Woodville, TX |
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| FDIC Number | 12303 | |||
| Phone Number | (409) 283-2561 | |||
| Website | www.citizensbank.net | |||
| Asset Quality |
Citizens State Bank
Woodville, TX |
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| 1-Year Asset Growth | 36.84% | |||
| 5-Year Asset Growth | 30.20% | |||
| 5-Year Charge-Offs to Average Loans | 0.18% | |||
| Charge-Offs to Average Loans | 0.11% | |||
| Non-Performing Assets to Assets | 2.30% | |||
| Non-Performing Loans to Capital | 16.81% | |||
| Non-Performing Loans to Loans | 3.10% | |||
| Balance Sheet |
Citizens State Bank
Woodville, TX |
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| Total Assets | 511.35M | |||
| Total Deposits | 449.15M | |||
| Capital and Reserves |
Citizens State Bank
Woodville, TX |
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| Capital | 59.34M | |||
| Leverage Ratio | 13.18 | |||
| Loan Loss Reserves to Loans | 1.19% | |||
| Risk-Based Capital Ratio | 18.00 | |||
| Liquidity |
Citizens State Bank
Woodville, TX |
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| Hot Money Ratio | 14.10% | |||
| Liquidity Ratio | 16.75% | |||
| Profitability |
Citizens State Bank
Woodville, TX |
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| 5-Year Return on Average Assets | 0.39% | |||
| Net Income | 1.33M | |||
| Net Interest Spread | 4.14% | |||
| Operating Profit to Average Assets | 0.68% | |||
| Overhead Efficiency Ratio | 76.89% | |||
| Return on Assets | 0.55% | |||
| Return on Equity | 4.54% | |||