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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Kilgore, TX · FDIC certificate #16817
CITIZENS BANK is an FDIC-insured institution based in Kilgore, TX (FDIC certificate #16817). In its Q3 2026 Call Report it reported total assets of $485M, total deposits of $448M and net loans of $320M. Its primary federal regulator is FDIC.
Reported facts
CITIZENS BANK (FDIC certificate #16817) reported the following headline financials for Q3 2026. Interactive quarterly history follows below.
| Total assets | $485M |
|---|---|
| Total deposits | $448M |
| Net loans and leases | $320M |
| Return on assets | 0.79% |
| Return on equity | 8.97% |
| Net interest margin | 4.47% |
| Quarterly asset change | -0.82% |
| Quarterly deposit change | 1.35% |
Plain-language readout
CITIZENS BANK in Kilgore, TX reported total assets of $485M, total deposits of $448M and net loans of $320M in its Q3 2026 Call Report (as of 2026-09-30).
Profitability for Q3 2026: a return on assets of 0.79%, a return on equity of 8.97%, a net interest margin of 4.47%. Return on assets measures annualized net income against average assets, return on equity measures it against average equity, and net interest margin measures net interest income against average earning assets.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $485M | $448M | $320M | 0.79% | 8.97% | 4.47% |
| Q2 2026 | $489M | $442M | $319M | 0.79% | 8.41% | 4.45% |
| Q1 2026 | $495M | $444M | $324M | 0.84% | 7.91% | 4.44% |
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