Citizens State Bank (FDIC #16753): Bank Stress & Real-Estate Credit Exposure
Citizens State Bank (FDIC Cert #16753): bank stress 48/100, moderate, STABLE over 7 days; parent C S B BANCSHARES INC.
Citizens State Bank (#16753) lends in 3 counties across 1 state; Citizens State Bank (#16753) reaches 25 ZIP codes: Texas 3 counties, 25 ZIPs.
Citizens State Bank (#16753) largest markets: Grimes County, TX (12 branches, 12 ZIPs) (#16753), Burleson County, TX (28 branches, 7 ZIPs) (#16753), Washington County, TX (14 branches, 7 ZIPs) (#16753).
Citizens State Bank (#16753) reports $1.22 billion in total assets; Citizens State Bank (#16753) equity $154.3 million (12.7% of Citizens State Bank (#16753) assets); Citizens State Bank (#16753) domestic deposits $1.05 billion; Citizens State Bank (#16753) net income $10.0 million; Citizens State Bank (#16753) return on assets 1.65%; Citizens State Bank (#16753) return on equity 13.34%; Citizens State Bank (#16753) net interest income $26.3 million; Citizens State Bank (#16753) call report June 30, 2026.
Citizens State Bank (#16753) noncurrent real-estate loans: none reported; Citizens State Bank (#16753) net charge-offs on real estate 1.58%; Citizens State Bank (#16753) residential charge-offs 1.28%.
Citizens State Bank (#16753) net interest margin 4.74% against an eight-quarter Citizens State Bank (#16753) average of 4.55% (Citizens State Bank (#16753) compression -0.18 points); Citizens State Bank (#16753) non-residential real estate 127.8% of equity; Citizens State Bank (#16753) rate-exposure score 40/100, Citizens State Bank (#16753) fixed-rate trap 40/100; Citizens State Bank (#16753) risk type credit driven; Citizens State Bank (#16753) rate regime rates elevated, Citizens State Bank (#16753) snapshot October 19, 2026.
Citizens State Bank (#16753) stress score moved from 49.8 on June 22, 2026 to 48.1 on October 19, 2026; Citizens State Bank (#16753) ranged 48.1 to 49.8 over 116 snapshots.
Citizens State Bank (#16753) alerts: 3 counties; top Citizens State Bank (#16753) alert scores: Burton County, TX 17 (low); Navasota County, TX 17 (low); Somerville County, TX 17 (low).