B
Citizens 1st Bank
TylerTX
Rating Date
March 2024
Risk Based
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Major Rating Factors: Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 40.1 and a capital leverage ratio of 20.5. 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: A current level of 2.9 percent of nonperforming loans to core capital combined with 0.2 percent from a year earlier contributes to the Excellent asset quality (8.8). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Fair (4.0) profitability.
Asset Mix: Securities (44%), comm re (23%), home mtgs (12%), cash (5%), consumer loans (1%), comm loans (0%), other (15%)
States with Branches: TX
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
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Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
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Hot Money
Corporate Info
Group Affiliation
Investment Rating
--
Address
2001 East Southeast Loop 323
Tyler, TX 75701
Phone Number
(903) 581-1900
Year Founded
1920
FDIC Number
Largest Affiliates
No affiliate information available.
Weiss Ratings