Citizens Nb Of Texas (FDIC #5574): Bank Stress & Real-Estate Credit Exposure
Citizens Nb Of Texas (FDIC Cert #5574): bank stress 34/100, contained, STABLE over 7 days; parent FIRST CITIZENS BANCSHARES INC.
Citizens Nb Of Texas (#5574) lends in 6 counties across 2 states; Citizens Nb Of Texas (#5574) reaches 186 ZIP codes: Texas 5 counties, 152 ZIPs; California 1 county, 34 ZIPs.
Citizens Nb Of Texas (#5574) largest markets: Dallas County, TX (95 branches, 95 ZIPs) (#5574), Placer County, CA (34 branches, 34 ZIPs) (#5574), Ellis County, TX (120 branches, 20 ZIPs) (#5574), Parker County, TX (19 branches, 19 ZIPs) (#5574), Johnson County, TX (32 branches, 16 ZIPs) (#5574), Erath County, TX (13 branches, 13 ZIPs) (#5574).
Citizens Nb Of Texas (#5574) reports $2.19 billion in total assets; Citizens Nb Of Texas (#5574) equity $263.0 million (12.0% of Citizens Nb Of Texas (#5574) assets); Citizens Nb Of Texas (#5574) domestic deposits $1.89 billion; Citizens Nb Of Texas (#5574) net income $26.5 million; Citizens Nb Of Texas (#5574) return on assets 2.49%; Citizens Nb Of Texas (#5574) return on equity 20.55%; Citizens Nb Of Texas (#5574) net interest income $53.9 million; Citizens Nb Of Texas (#5574) call report June 30, 2026.
Citizens Nb Of Texas (#5574) noncurrent real-estate loans 0.04% of its book; Citizens Nb Of Texas (#5574) residential 0.09%; Citizens Nb Of Texas (#5574) net charge-offs on real estate 1.54%; Citizens Nb Of Texas (#5574) residential charge-offs 2.64%.
Citizens Nb Of Texas (#5574) net interest margin 5.39% against an eight-quarter Citizens Nb Of Texas (#5574) average of 5.00% (Citizens Nb Of Texas (#5574) compression -0.39 points); Citizens Nb Of Texas (#5574) real-estate loans 4.0% of equity; Citizens Nb Of Texas (#5574) non-residential real estate 263.9% of equity; Citizens Nb Of Texas (#5574) rate-exposure score 40/100, Citizens Nb Of Texas (#5574) fixed-rate trap 40/100; Citizens Nb Of Texas (#5574) risk type rate trapped; Citizens Nb Of Texas (#5574) rate regime rates elevated, Citizens Nb Of Texas (#5574) snapshot October 19, 2026.
Citizens Nb Of Texas (#5574) stress score moved from 38.6 on June 22, 2026 to 33.7 on October 19, 2026; Citizens Nb Of Texas (#5574) ranged 33.7 to 38.6 over 116 snapshots.
Citizens Nb Of Texas (#5574) alerts: 6 counties; top Citizens Nb Of Texas (#5574) alert scores: Cedar Hill County, TX 14 (low); Cleburne County, TX 14 (low); Stephenville County, TX 14 (low); Tahoe City County, TX 14 (low); Waxahachie County, TX 14 (low).