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Banks | Citizens State Bank

Citizens State Bank

Citizens State Bank is an FDIC insured institution headquartered at 111 S Robinson St, Miles, TX 76861.
It was founded in 1937 and has approximately $0 billion in assets. Customers can open an account at one of its 2 branches.

Deposit Rates - June 19, 2025

SAVINGS RATES	APY	MIN
Savings	0.05%	$2,500	Compare

CD RATES	APY	MIN
6 Mo CD	0.15%	$10,000	Compare
6 Mo CD	0.25%	$100,000	Compare
12 Mo CD	0.20%	$10,000	Compare
12 Mo CD	0.40%	$100,000	Compare
18 Mo CD	0.30%	$10,000	Compare
24 Mo CD	0.30%	$10,000	Compare
24 Mo CD	0.50%	$100,000	Compare

MM RATES	APY	MIN
Money Market	0.20%	$10,000	Compare
Money Market	0.20%	$25,000	Compare

INT CHECKING RATES	APY	MIN
Int Ckg	0.05%	$2,500

Featured Home Equity Rates

Lender APR(%) Min.Initial
Draw Amount Learn More
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Advertiser Disclosure

Four Leaf Federal Credit Union
NMLS ID: 449104 / Updated 2025-04-18

Intro APR: 6.490 %
After Intro:7.750 %
Intro Period: 12 months

$25,000

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No application, origination & appraisal fees on lines up to $500K[3]
On average, access funds within 35 days[5]

PenFed Credit Union
NMLS ID: 401822 / Updated 2025-06-19
Equal Housing Lender

Home Equity Line of Credit - Equal Housing Lender

Home Equity Line of Credit - Equal Housing Lender
Loans Amounts from $25,000 - $500,000
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HELOCs Can Offer Lower Rates Than Credit Cards or Personal Loans

Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.

Featured 30-Year Fixed Mortgage Rates

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Advertiser Disclosure

Farmers Bank of Kansas City
NMLS ID: 613839

6.762%

$2,049 Fees & Points $4,579 Total
0.841 Pts ($2,691)
$1,888 Fees

Competitive rates.
Surprisingly smooth process.

PenFed Credit Union
NMLS ID: 401822

6.794%

$2,049 Fees & Points $5,600 Total
0.750 Pts ($2,400)
$3,200 Fees

Let PenFed Bring You Home With Confidence
Benefits before and after you refinance
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Rocket Mortgage
NMLS ID: 3030

Fees & Points Total
Pts ($0)
$0 Fees

Turn home equity you've earned into cash
Single, convenient monthly payments
Reduce interest with shorter loan terms

Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.

Overview 2025

General Bank Information

FDIC Insured	Yes
FDIC Certificate	# 15519
Date Established	1937
Assets	$ 244.72 million
Loans	$ 185.32 million
Deposits	$ 219.38 million
Capital	$ 24.68 million

Summary Balance Sheet as of December 31, 2024

ASSETS
Cash & Balances due from depository institutions	$ 25.45 million
Interest-bearing balances	$ 23.39 million
Total securities	$ 25.36 million
Federal funds sold and reverse repurchase	N.A.
Net loans and leases	$ 185.32 million
Loan loss allowance	$ 2.50 million
Trading account assets	N.A.
Bank premises and fixed assets	N.A.
Other real estate owned	N.A.
Goodwill and other intangibles	N.A.
All other assets	$ 5.21 million
Total Assets	$ 220.04 million

LIABILITIES
Total deposits	$ 219.38 million
Interest-bearing deposits	$ 161.27 million
Deposits held in domestic offices	$ 219.38 million
% insured (estimated)"	63.59%
Federal funds purchased and repurchase agreements	N.A.
Trading liabilities	N.A.
Other borrowed funds	N.A.
Subordinated debt	N.A.
All other liabilities	$ 0.27 millionn
Total Liabilities	$ 220.04 million
Shareholders’ Equity	$ 24.68 million

Summary Income Statement as of December 31, 2024

INCOME AND EXPENSES
Total Interest Income	$ 15.06 million
Total Interest Expense	$ 5.59 million
Net interest income	$ 9.47 million
Provision for loan and lease losses	$ 0.05 million
Total non interest income	$ 0.95 million
Total non interest expense	$ 4.31 million
Pre-tax Net Operating Income	$ 2.18 million

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