Citizens 1st Bank
Tyler, Texas, Smith County
$811M in total assets, the 1,269th largest of 4,309 US banks and 110th of 352 headquartered in Texas.
- FDIC certificate
- 1715
- Established
- 1920
- Owned by
- No holding company
- Primary regulator
- FED
- Website
- www.citizens1stbank.com
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 | $811M | 92% | $332M | |
| Loans | $482M | 85% | $188M | |
| Deposits | $616M | 86% | $286M | |
| Return on assets | 1.47% | 50% | 1.45% | |
| Net interest margin | 2.82% | 4% | 4.20% | |
| Efficiency ratio | 37.4% | 6% | 61.7% | |
| Equity to assets | 18.23% | 98% | 10.91% | |
| Loans to deposits | 78% | 62% | 72% |
Growth
Total assets grew 1.3% a year over the last 5 years and 1.1% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Aug 1991 | First Southwest Savings and Loan Association Tyler, TX | $51M |
| Aug 1991 | First Southwest Federal Savings and Loan Association Tyler, TX | $31M |
| Aug 1991 | Timberland Savings Association Nacogdoches, TX | $32M |
| Aug 1991 | Timberland Federal Savings Association Nacogdoches, TX | $21M |
| Jun 1991 | First Federal Savings and Loan Association Nacogdoches, TX | $62M |
| May 1991 | First Federal Savings Association of Nacogdoches Nacogdoches, TX | $50M |
| Jun 1990 | Rusk Federal Savings and Loan Association Rusk, TX | $27M |
Where they operate
4 branches in 3 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Smith County, TX | $292M | 3.2% | 9 of 28 |
| Cherokee County, TX | $192M | 17.4% | 3 of 8 |
| Nacogdoches County, TX | $132M | 7.6% | 3 of 9 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
No change since 2016. The bank has operated 4 branches throughout, with none opened, acquired, closed or sold.
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 48% | 28% | |
| 1-4 family residential | 20% | 27% | |
| Construction and land | 17% | 11% | |
| Multifamily | 11% | 2% | |
| Business (C&I) | 2% | 14% | |
| Consumer | 1% | 5% | |
| Farmland | 0% | 7% | |
| Agricultural | 0% | 5% | |
| Other | 1% | 1% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Time deposits | 47% | 29% | |
| Other interest-bearing | 40% | 41% | |
| Noninterest-bearing | 13% | 30% |
Brokered deposits are 0.0% of deposits (peers 1.9%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.53% | 0.30% |
| Net charge-offs, annualized | 0.26% | 0.01% |
| Reserves to loans | 0.53% | 1.23% |
| Leverage ratio | 20.52% | 11.60% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Texas
Largest competitors in Smith 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/citizens-1st