Citizens 1st Bank (FDIC #1715): Bank Stress & Real-Estate Credit Exposure
Citizens 1st Bank (FDIC Cert #1715): bank stress 27/100, contained, STABLE over 7 days.
Citizens 1st Bank (#1715) lends in 3 counties across 1 state; Citizens 1st Bank (#1715) reaches 43 ZIP codes: Texas 3 counties, 43 ZIPs.
Citizens 1st Bank (#1715) largest markets: Smith County, TX (23 branches, 23 ZIPs) (#1715), Cherokee County, TX (24 branches, 12 ZIPs) (#1715), Nacogdoches County, TX (10 branches, 10 ZIPs) (#1715).
Citizens 1st Bank (#1715) reports $811.0 million in total assets; Citizens 1st Bank (#1715) equity $147.8 million (18.2% of Citizens 1st Bank (#1715) assets); Citizens 1st Bank (#1715) domestic deposits $615.5 million; Citizens 1st Bank (#1715) net income $7.0 million; Citizens 1st Bank (#1715) return on assets 1.71%; Citizens 1st Bank (#1715) return on equity 9.74%; Citizens 1st Bank (#1715) net interest income $11.4 million; Citizens 1st Bank (#1715) call report June 30, 2026.
Citizens 1st Bank (#1715) noncurrent real-estate loans 0.21% of its book; Citizens 1st Bank (#1715) net charge-offs on real estate 0.55%; Citizens 1st Bank (#1715) residential charge-offs 0.04%.
Citizens 1st Bank (#1715) net interest margin 2.82% against an eight-quarter Citizens 1st Bank (#1715) average of 2.54% (Citizens 1st Bank (#1715) compression -0.27 points); Citizens 1st Bank (#1715) real-estate loans 21.3% of equity; Citizens 1st Bank (#1715) non-residential real estate 4.4% of equity; Citizens 1st Bank (#1715) rate-exposure score 40/100, Citizens 1st Bank (#1715) fixed-rate trap 40/100; Citizens 1st Bank (#1715) risk type rate trapped; Citizens 1st Bank (#1715) rate regime rates elevated, Citizens 1st Bank (#1715) snapshot October 19, 2026.
Citizens 1st Bank (#1715) stress score moved from 31.1 on June 22, 2026 to 27.3 on October 19, 2026; Citizens 1st Bank (#1715) ranged 27.3 to 31.1 over 116 snapshots.
Citizens 1st Bank (#1715) alerts: 3 counties; top Citizens 1st Bank (#1715) alert scores: Tyler County, TX 28 (low); Rusk County, TX 25 (low); Nacogdoches County, TX 25 (low).