Total Assets
$488.8M
Total Deposits
$441.6M
Branches
12
Established
1949
Citizens Bank is a bank headquartered in Kilgore, Texas, established in 1949. It holds $488.8M in total assets across 12 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Citizens Bank earns a TFS Financial Health Grade of C+ (70.7/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
70.7 / 100
Average financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
Watching Citizens Bank?
Get a free alert the moment its TFS financial-health grade changes. No spam, ever.
Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Citizens BankHQ | 301 E Main St | Kilgore | TX | 11 |
| Citizens Bank | 3111 University Dr E | Bryan | TX | 11 |
| Citizens Bank | 425 Northwest Loop 436 | Carthage | TX | 11 |
| Citizens Bank | 104 Austin St | Center | TX | 11 |
| Citizens Bank | 678 N Main St | Gladewater | TX | 11 |
| Citizens Bank | 1409 Broadway Ave | Gladewater | TX | 23 |
| Citizens Bank | 8811 Fm 1960 Bypass Rd W | Humble | TX | 11 |
| Citizens Bank | 1055 S Pine St | Kountze | TX | 11 |
| Citizens Bank | 125 Highway 326 S | Sour Lake | TX | 11 |
| Citizens Bank | 3705 College Park Dr | The Woodlands | TX | 11 |
| Citizens Bank | 2327 Dueling Oaks Dr | Tyler | TX | 24 |
| Citizens Bank | 311 E Main St | Yorktown | TX | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
70.7
Tier 1 capital ratio
6.90%
Return on assets
0.79%
Non-performing loans
0.02%
Efficiency ratio
75.82%
Asset growth (YoY)
-0.06%
Suggested direct comparisons
Dallas, TX
$33.6B
$501.8M
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.