Citizens State Bank: Bank Stress & Real-Estate Credit Exposure
FDIC Certificate #12501 · Buffalo, TX. This institution (Citizens State Bank) no longer appears in the current FDIC branch and deposit filings (#12501) that DLRadar scores; FDIC records the last Citizens State Bank day as a separately insured institution (#12501) as July 1, 2025. FDIC event for Citizens State Bank: Participated in Absorbtion/Consolidation/Merger (2025-07-01). DLRadar last scored Citizens State Bank (#12501) on September 20, 2026. The Citizens State Bank facts below are its last recorded footprint (#12501), kept as a permanent Citizens State Bank public record; the Citizens State Bank figures are not refreshed.
Citizens State Bank (#12501) carried no scored branch footprint (Citizens State Bank) in the FDIC filings DLRadar reads; the Citizens State Bank record exists because FDIC certificate 12501 was a separately insured Citizens State Bank institution in Buffalo, TX, last seen by DLRadar (#12501) on September 20, 2026.
What the Citizens State Bank (#12501) record holds: FDIC certificate 12501 for Citizens State Bank, closed as a separate Citizens State Bank charter on July 1, 2025; no successor is recorded for Citizens State Bank; FDIC event for Citizens State Bank: Participated in Absorbtion/Consolidation/Merger (2025-07-01); Citizens State Bank (#12501) first entered DLRadar on September 20, 2026.
How Citizens State Bank (#12501) was scored while active: the Citizens State Bank stress score read FDIC call-report financials (#12501) and the Summary of Deposits branch file for Citizens State Bank, mapped Citizens State Bank branches to counties and ZIP codes (#12501), and weighted the Citizens State Bank real-estate loan concentration against its peers; the Citizens State Bank (#12501) figures on this page are the last such Citizens State Bank run and are not refreshed.
Citizens State Bank (#12501) is chartered in Buffalo, TX; FDIC lists Citizens State Bank (#12501) as inactive.
Why this Citizens State Bank page exists: bank identities are historical data (#12501). When an institution such as Citizens State Bank merges or its charter ends, DLRadar keeps the Citizens State Bank profile so citations, links and the Citizens State Bank score history stay resolvable (#12501), and points Citizens State Bank to the successor where the FDIC records one. Every Citizens State Bank figure traces to public FDIC data (#12501).