Bank · FDIC insured
Citizens State Bank
A $1.2B bank headquartered in Somerville, TX, with 7 branches in Texas. Best rates: CDs 3.75% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Savings: carrot has not captured enough rates to score this yet. Auto loans: no rates found on its website.
- CDs—3.75%CD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Citizens State Bank
Citizens State Bank has been serving its communities since 1925.
- Headquarters
- 155 8th St, Somerville, TX 77879
- FDIC certificate
- 16753 ↗
Branches
7 branches in Texas
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Texas
7 branches
College Station area · 4
- Citizens State BankMain office155 8th St, Somerville, TX 77879Directions
- Caldwell Branch201 E Buck St, Caldwell, TX 77836Directions
- Deanville Branch6498 Fm 111 Road, Deanville, TX 77852Directions
- Snook Branch9850 Fm 60 East, Snook, TX 77878Directions
Brenham area · 2
- Brenham Branch2007 S Day St, Brenham, TX 77833Directions
- Burton State Bank Branch515 N Main St, Burton, TX 77835Directions
Navasota area · 1
- Navasota Branch9109 Highway 90 S, Navasota, TX 77868Directions
Walk-in offices from the FDIC directory as of September 4, 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 | 12.95% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 1.99% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.65% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $72 | $88 | — |
- CapitalLeverage ratio12.95%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent1.99%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.65%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$72Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 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 State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.