Citizens State Bank, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

Citizens State Bank was chartered in 1919. In 1981, the bank became a subsidiary of Citizens State Financial Corporation, a locally owned bank holding company. Citizens State Bank is located in Polk County on the east side of U. S. Highway 59, at 300 North Home Street in Corrigan, Texas. Nestled in the heart of the piney woods, the area has a friendly, East Texas rural setting with timber as a primary industry.

Main Office - Citizens State Bank
300 North Home Street
Corrigan, Texas 75939
Phone: (936) 398-2566
Fax: (936) 398-5404

Branch - Citizens State Bank
117 East First Street
Groveton, Texas 75845
Phone: (936) 642-1444
Fax: (936) 642-2454