Is Citizens 1st Bank Safe?
Citizens 1st Bank has a Bank Health Score of 90/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (61/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 37.54% | 100/100 |
| Nonperforming Loan Ratio | 0.96% | 81/100 |
| Liquidity Ratio | 42.12% | 100/100 |
| Return on Assets | 1.04% | 61/100 |
| Total Assets | $0.7B | |
How does Citizens 1st Bank compare?
With a Bank Health Score of 90/100, Citizens 1st Bank sits 20.0 points above the national average of 70/100 for FDIC-insured banks. Within Texas, where 321 FDIC-insured banks are headquartered, Citizens 1st Bank ranks above the state average of 74/100 (Grade B).
The bank's Tier 1 capital ratio of 37.54% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.96% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Citizens 1st Bank's Bank Health Score fell by 6.0 points to 90/100. Tier 1 capital weakened by 3.67 percentage points to 37.54%.
Citizens 1st Bank has a Bank Health Score of 90/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (61/100).