Citizens State Bank
Somerville, Texas, Burleson County
$1.2B in total assets, the 900th largest of 4,309 US banks and 78th of 352 headquartered in Texas.
- FDIC certificate
- 16753
- Established
- 1925
- Owned by
- C S B Bancshares Inc
- Primary regulator
- FDIC
- Website
- http://www.csbtx.bank
At a glance
Compared with 77 banks headquartered in Texas with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.2B | 17% | $2.2B | |
| Loans | $760M | 13% | $1.3B | |
| Deposits | $1.1B | 16% | $1.8B | |
| Return on assets | 1.70% | 69% | 1.53% | |
| Net interest margin | 4.74% | 87% | 3.95% | |
| Efficiency ratio | 50.3% | 26% | 57.5% | |
| Equity to assets | 12.66% | 80% | 10.59% | |
| Loans to deposits | 72% | 31% | 80% |
Growth
Total assets grew 8.0% a year over the last 5 years and 10.5% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Dec 2021 | Burton State Bank Burton, TX | $85M |
| Feb 1992 | Burleson County FSA Caldwell, TX | $23M |
| Jun 1990 | Peoples National Bank Caldwell, TX | $10M |
| Apr 1989 | First State Bank Deanville, TX | $9M |
Where they operate
7 branches in 3 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Burleson County, TX | $507M | 80.0% | 1 of 2 |
| Washington County, TX | $426M | 25.7% | 1 of 10 |
| Grimes County, TX | $117M | 20.4% | 2 of 5 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 1 branch since 2016 (6 to 7, +16.7%). 0 opened, 1 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 6 | |||
| 2021 | Acquired Burton State Bank | 1 | 0 | +1 | 7 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 32% | 39% | |
| 1-4 family residential | 28% | 20% | |
| Business (C&I) | 14% | 15% | |
| Farmland | 9% | 3% | |
| Construction and land | 8% | 13% | |
| Agricultural | 5% | 1% | |
| Consumer | 2% | 2% | |
| Multifamily | 0% | 4% | |
| Other | 0% | 4% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 37% | 48% | |
| Time deposits | 35% | 26% | |
| Noninterest-bearing | 29% | 26% |
Brokered deposits are 0.0% of deposits (peers 4.2%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.99% | 0.42% |
| Net charge-offs, annualized | 0.29% | 0.04% |
| Reserves to loans | 1.11% | 1.20% |
| Leverage ratio | 12.95% | 10.79% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Texas
Largest competitors in Burleson County, TX
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/citizens-state-bank-somerville-tx