Citizens Bank (FDIC #16817): Bank Stress & Real-Estate Credit Exposure
Citizens Bank (FDIC Cert #16817): bank stress 85/100, severe, STABLE over 7 days; parent EAST TEXAS FINANCIAL CORP.
Citizens Bank (#16817) lends in 8 counties across 1 state; Citizens Bank (#16817) reaches 224 ZIP codes: Texas 8 counties, 224 ZIPs.
Citizens Bank (#16817) largest markets: Harris County, TX (143 branches, 143 ZIPs) (#16817), Montgomery County, TX (27 branches, 27 ZIPs) (#16817), Panola County, TX (13 branches, 13 ZIPs) (#16817), Hardin County, TX (24 branches, 12 ZIPs) (#16817), Brazos County, TX (11 branches, 11 ZIPs) (#16817), Gregg County, TX (30 branches, 10 ZIPs) (#16817).
Citizens Bank (#16817) reports $488.8 million in total assets; Citizens Bank (#16817) equity $33.3 million (6.8% of Citizens Bank (#16817) assets); Citizens Bank (#16817) domestic deposits $441.6 million; Citizens Bank (#16817) net income $2.0 million; Citizens Bank (#16817) return on assets 0.79%; Citizens Bank (#16817) return on equity 8.41%; Citizens Bank (#16817) net interest income $10.5 million; Citizens Bank (#16817) call report June 30, 2026.
Citizens Bank (#16817) noncurrent real-estate loans: none reported; Citizens Bank (#16817) net charge-offs on real estate 0.02%; Citizens Bank (#16817) residential charge-offs 0.04%.
Citizens Bank (#16817) net interest margin 4.45% against an eight-quarter Citizens Bank (#16817) average of 4.38% (Citizens Bank (#16817) compression -0.08 points); Citizens Bank (#16817) non-residential real estate 4.2% of equity; Citizens Bank (#16817) rate-exposure score 40/100, Citizens Bank (#16817) fixed-rate trap 40/100; Citizens Bank (#16817) risk type credit driven; Citizens Bank (#16817) rate regime rates elevated, Citizens Bank (#16817) snapshot October 19, 2026.
Citizens Bank (#16817) stress score moved from 83.4 on June 22, 2026 to 85.4 on October 19, 2026; Citizens Bank (#16817) ranged 83.4 to 85.4 over 116 snapshots.
Citizens Bank (#16817) alerts: 8 counties; top Citizens Bank (#16817) alert scores: Bryan County, TX 26 (low); Carthage County, TX 26 (low); Center County, TX 26 (low); Conroe County, TX 26 (low); Humble County, TX 26 (low).