Citizens State Bank (FDIC #12303): Bank Stress & Real-Estate Credit Exposure
Citizens State Bank (FDIC Cert #12303): bank stress 74/100, elevated, STABLE over 7 days; parent GRAHAMJB6 CO.
Citizens State Bank (#12303) lends in 4 counties across 1 state; Citizens State Bank (#12303) reaches 117 ZIP codes: Texas 4 counties, 117 ZIPs.
Citizens State Bank (#12303) largest markets: Travis County, TX (63 branches, 63 ZIPs) (#12303), Montgomery County, TX (27 branches, 27 ZIPs) (#12303), Falls County, TX (17 branches, 17 ZIPs) (#12303), Tyler County, TX (30 branches, 10 ZIPs) (#12303).
Citizens State Bank (#12303) reports $511.4 million in total assets; Citizens State Bank (#12303) equity $59.3 million (11.6% of Citizens State Bank (#12303) assets); Citizens State Bank (#12303) domestic deposits $449.2 million; Citizens State Bank (#12303) net income $1.3 million; Citizens State Bank (#12303) return on assets 0.55%; Citizens State Bank (#12303) return on equity 4.54%; Citizens State Bank (#12303) net interest income $9.6 million; Citizens State Bank (#12303) call report June 30, 2026.
Citizens State Bank (#12303) noncurrent real-estate loans 0.06% of its book; Citizens State Bank (#12303) residential -0.03%; Citizens State Bank (#12303) net charge-offs on real estate 3.75%.
Citizens State Bank (#12303) net interest margin 4.21% against an eight-quarter Citizens State Bank (#12303) average of 4.31% (Citizens State Bank (#12303) compression 0.10 points); Citizens State Bank (#12303) real-estate loans 5.5% of equity; Citizens State Bank (#12303) rate-exposure score 40/100, Citizens State Bank (#12303) fixed-rate trap 40/100; Citizens State Bank (#12303) risk type credit driven; Citizens State Bank (#12303) rate regime rates elevated, Citizens State Bank (#12303) snapshot October 19, 2026.
Citizens State Bank (#12303) stress score moved from 64.4 on June 22, 2026 to 73.8 on October 19, 2026; Citizens State Bank (#12303) ranged 64.4 to 73.8 over 116 snapshots.
Citizens State Bank (#12303) alerts: 4 counties; top Citizens State Bank (#12303) alert scores: Austin County, TX 22 (low); Marlin County, TX 22 (low); Porter County, TX 22 (low); Woodville County, TX 22 (low).