| Weiss Ratings |
Citizens State Bank
Buffalo, TX |
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| Rating | ||||
| Asset Quality Index | 9.70 | |||
| Capitalization Index | 9.40 | |||
| Liquidity Index | 5.80 | |||
| Profitability Index | 1.30 | |||
| Stability Index | 0.30 | |||
| Company Info |
Citizens State Bank
Buffalo, TX |
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| FDIC Number | 12501 | |||
| Phone Number | (903) 322-4256 | |||
| Website | www.citizensstatebanktx.com | |||
| Asset Quality |
Citizens State Bank
Buffalo, TX |
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| 1-Year Asset Growth | 10.02% | |||
| 5-Year Asset Growth | 9.01% | |||
| 5-Year Charge-Offs to Average Loans | 0.05% | |||
| Charge-Offs to Average Loans | 0.09% | |||
| Non-Performing Assets to Assets | 0.01% | |||
| Non-Performing Loans to Capital | 0.11% | |||
| Non-Performing Loans to Loans | 0.06% | |||
| Balance Sheet |
Citizens State Bank
Buffalo, TX |
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| Total Assets | 1.34B | |||
| Total Deposits | 1.17B | |||
| Capital and Reserves |
Citizens State Bank
Buffalo, TX |
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| Capital | -8.90M | |||
| Leverage Ratio | 10.61 | |||
| Loan Loss Reserves to Loans | 1.42% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Citizens State Bank
Buffalo, TX |
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| Hot Money Ratio | 31.66% | |||
| Liquidity Ratio | 29.27% | |||
| Profitability |
Citizens State Bank
Buffalo, TX |
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| 5-Year Return on Average Assets | 1.00% | |||
| Net Income | -1.25M | |||
| Net Interest Spread | 1.43% | |||
| Operating Profit to Average Assets | -0.11% | |||
| Overhead Efficiency Ratio | 100.94% | |||
| Return on Assets | -0.11% | |||
| Return on Equity | 0.00% | |||