B
Citizens 1st Bank
TylerTX
Rating Date
November 2023
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Citizens 1st Bank
Tyler, TX
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Rating B
Asset Quality Index 9.20
Capitalization Index 10.00
Liquidity Index 3.60
Profitability Index 4.40
Stability Index 10.00
Company Info Citizens 1st Bank
Tyler, TX
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FDIC Number 1715
Phone Number (903) 581-1900
Website www.citizens1stbank.com
Asset Quality Citizens 1st Bank
Tyler, TX
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1-Year Asset Growth -0.41%
5-Year Asset Growth -0.84%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.03%
Non-Performing Loans to Capital 0.54%
Non-Performing Loans to Loans 0.06%
Balance Sheet Citizens 1st Bank
Tyler, TX
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Total Assets $710.03M
Total Deposits $539.82M
Capital and Reserves Citizens 1st Bank
Tyler, TX
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Capital $109.86M
Leverage Ratio 20.80
Loan Loss Reserves to Loans 0.42%
Risk-Based Capital Ratio 41.61
Liquidity Citizens 1st Bank
Tyler, TX
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Hot Money Ratio 25.78%
Liquidity Ratio 26.30%
Profitability Citizens 1st Bank
Tyler, TX
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5-Year Return on Average Assets 1.59%
Net Income $6.99M
Net Interest Spread 2.62%
Operating Profit to Average Assets 1.25%
Overhead Efficiency Ratio 44.79%
Return on Assets 1.25%
Return on Equity 8.40%
Weiss Ratings