Citizens State Bank
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (10.0 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 1.8 has resulted in Excellent (9.1) profitability. A current level of 11.8 percent of nonperforming loans to core capital combined with 9.2 percent from a year earlier contributes to the Good asset quality (5.3).
Asset Mix:
Securities (24%), comm re (20%), home mtgs (18%), cash (10%), comm loans (8%), consumer loans (2%), other (19%)
States with Branches:
TX
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
C.S.B. Bancshares, Inc.
Investment Rating
--
Address
155 Eighth Street
Somerville, TX 77879
Somerville, TX 77879
Phone Number
(979) 596-1421
Year Founded
1925
FDIC Number
Website
Largest Affiliates
No affiliate information available.