| Weiss Ratings |
Citizens State Bank
Buffalo, TX |
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| Rating | ||||
| Asset Quality Index | 9.60 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 5.80 | |||
| Profitability Index | 1.00 | |||
| 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 | -27.27% | |||
| 5-Year Asset Growth | 0.99% | |||
| 5-Year Charge-Offs to Average Loans | 0.04% | |||
| Charge-Offs to Average Loans | 0.04% | |||
| Non-Performing Assets to Assets | 0.04% | |||
| Non-Performing Loans to Capital | 0.24% | |||
| Non-Performing Loans to Loans | 0.16% | |||
| Balance Sheet |
Citizens State Bank
Buffalo, TX |
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| Total Assets | 1.03B | |||
| Total Deposits | 1.07B | |||
| Capital and Reserves |
Citizens State Bank
Buffalo, TX |
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| Capital | -49.99M | |||
| Leverage Ratio | 12.75 | |||
| Loan Loss Reserves to Loans | 1.56% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Citizens State Bank
Buffalo, TX |
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| Hot Money Ratio | 31.36% | |||
| Liquidity Ratio | 29.46% | |||
| Profitability |
Citizens State Bank
Buffalo, TX |
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| 5-Year Return on Average Assets | 0.82% | |||
| Net Income | -416.00K | |||
| Net Interest Spread | 1.71% | |||
| Operating Profit to Average Assets | -0.13% | |||
| Overhead Efficiency Ratio | 98.27% | |||
| Return on Assets | -0.13% | |||
| Return on Equity | 3.33% | |||