Citizens Bank
Kilgore, Texas, Gregg County
$489M in total assets, the 1,847th largest of 4,309 US banks and 164th of 352 headquartered in Texas.
- FDIC certificate
- 16817
- Established
- 1949
- Owned by
- East Texas Financial Corp
- Primary regulator
- FDIC
At a glance
Compared with 218 banks headquartered in Texas with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $489M | 67% | $332M | |
| Loans | $327M | 70% | $188M | |
| Deposits | $442M | 68% | $286M | |
| Return on assets | 0.93% | 21% | 1.47% | |
| Net interest margin | 4.45% | 65% | 4.20% | |
| Efficiency ratio | 75.8% | 85% | 61.4% | |
| Equity to assets | 6.81% | 5% | 10.94% | |
| Loans to deposits | 74% | 53% | 72% |
Growth
Total assets grew 1.6% a year over the last 5 years and 2.7% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Oct 2018 | Gladewater National Bank Gladewater, TX, an affiliate under the same holding company | $35M |
| Feb 1993 | New First City, Texas - Kountze, National Association Kountze, TX | $46M |
| Feb 1993 | New First City, Texas - Sour Lake, National Association Sour Lake, TX | $48M |
| Sep 1992 | The First National Bank of Yorktown Yorktown, TX | $34M |
| Aug 1990 | The First National Bank of Levelland Levelland, TX | $62M |
| Dec 1988 | First National Bank in Center Center, TX | $26M |
Where they operate
11 branches in 8 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Gregg County, TX | $193M | 4.3% | 6 of 23 |
| Dewitt County, TX | $156M | 10.1% | 6 of 8 |
| Hardin County, TX | $35M | 7.4% | 5 of 7 |
| Brazos County, TX | $13M | 0.2% | 22 of 24 |
| Shelby County, TX | $13M | 2.0% | 7 of 8 |
| Harris County, TX | $12M | 0.0% | 81 of 87 |
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 (10 to 11, +10.0%). 0 opened, 2 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 10 | |||
| 2018 | Acquired Gladewater National Bank | 2 | 0 | +2 | 12 |
| 2025 | Closed Kilgore | 0 | 1 | −1 | 11 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 53% | 28% | |
| Construction and land | 19% | 11% | |
| 1-4 family residential | 13% | 27% | |
| Business (C&I) | 9% | 14% | |
| Multifamily | 5% | 2% | |
| Consumer | 1% | 5% | |
| Farmland | 0% | 7% | |
| Agricultural | 0% | 5% | |
| Other | 0% | 1% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 49% | 41% | |
| Noninterest-bearing | 26% | 30% | |
| Time deposits | 25% | 29% |
Brokered deposits are 6.8% of deposits (peers 1.9%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.02% | 0.32% |
| Net charge-offs, annualized | -0.02% | 0.01% |
| Reserves to loans | 2.49% | 1.23% |
| Leverage ratio | 6.90% | 11.63% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Texas
Largest competitors in Gregg 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-bank-kilgore-tx