Bank · FDIC insured
Citizens Bank
A $488.8M bank headquartered in Kilgore, TX, with 11 branches in Texas. Best rates: savings 0.15% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: rates are not published online. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- Savings702.42%at $100,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Citizens Bank
Citizens Bank was chartered in 1949 and operates 10 locations and 12 ATMs across Texas.
Headquartered in Kilgore, Texas, the bank is locally owned after being purchased by local investors in 1987.
In 1989, the bank established an oil and gas lending department, becoming the only oil and gas bank between Dallas and Shreveport.
- Headquarters
- 301 E Main St, Kilgore, TX 75662
- FDIC certificate
- 16817 ↗
Branches
11 branches in Texas
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Texas
11 branches
Longview area · 3
- Citizens BankMain office301 E Main St, Kilgore, TX 75662Directions
- Gladewater Branch678 N Main St, Gladewater, TX 75647Directions
- Gladewater Branch1409 Broadway Ave, Gladewater, TX 75647Directions
Houston area · 2
- Humble Branch8811 Fm 1960 Bypass Rd W, Humble, TX 77338Directions
- The Woodlands Branch3705 College Park Dr, The Woodlands, TX 77384Directions
Beaumont area · 2
- Kountze Branch1055 S Pine St, Kountze, TX 77625Directions
- Sour Lake Branch125 Highway 326 S, Sour Lake, TX 77659Directions
College Station area · 1
- Bryan/College Station Branch3111 University Dr E, Bryan, TX 77802Directions
Carthage area · 1
- Carthage Branch425 Northwest Loop 436, Carthage, TX 75633Directions
Center area · 1
- Center Branch104 Austin St, Center, TX 75935Directions
Yorktown area · 1
- Yorktown Branch311 E Main St, Yorktown, TX 78164Directions
Walk-in offices from the FDIC directory as of October 23, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 6.90% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.02% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.79% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $74 | $81 | — |
- CapitalLeverage ratio6.90%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.02%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.79%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$74Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Citizens Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.