Citizens Nb of Crosbyton
Crosbyton, Texas · FDIC Cert #3158
Citizens Nb of Crosbyton is an FDIC-insured bank (Certificate #3158) with $65M in total assets and $53M in total deposits as of the Q2 2024 Call Report. Headquartered in Crosbyton, Texas, the bank maintains a Tier 1 capital ratio of 0.00% (Critically Undercapitalized) and a nonperforming loan ratio of 0.00%. BankHealthData assigns a composite Health Grade of B (65/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Citizens Nb of Crosbyton (FDIC cert 3158) is a community bank — $65M in total assets, $53M in deposits, serving the Crosbyton, Texas area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Tier 1 capital ratio is not disclosed in the most recent Call Report — unusual but possible for new institutions or those filing under specific regulatory exemptions. Asset quality is clean: non-performing loan ratio of 0.00% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is very high: 71.9% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is strong: return on assets of 2.88% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. Citizens Nb of Crosbyton carries a composite BankHealth grade of B (65/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Citizens Nb of Crosbyton
- Total Assets
- $65M
- Total Deposits
- $53M
- Tier 1 Capital Ratio
- 0.00%
- Capital Status
- Critically Undercapitalized
- Nonperforming Loans
- 0.00%
- Liquidity Ratio
- 71.93%
- Return on Assets
- 2.88%
- Headquarters
- Crosbyton, Texas
- FDIC Certificate
- #3158
- Health Grade
- B (65/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Citizens Nb of Crosbyton holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject Citizens Nb of Crosbyton to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
Citizens Nb of Crosbyton shows strong financial health indicators. With $65M in assets and a Health Score of 65/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Citizens Nb of Crosbyton Compares
Citizens Nb of Crosbyton’s Health Score of 65 is 9 points below the Texas state average of 74 across 321 FDIC-insured banks. Its 0.00% Tier 1 capital ratio is 14.0 points below the US banking industry average near 14%. The 0.00% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 2.88% is in line with or above the national ROA benchmark of ~1.1%. Among 729 similarly-sized banks, the average Health Score is 68, meaning this bank ranks below its size cohort. Site-wide, Citizens Nb of Crosbyton is 5 points below the portfolio average of 70.
Frequently Asked Questions
Citizens Nb of Crosbyton has a Bank Health Score of B (65/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Citizens Nb of Crosbyton's Tier 1 capital ratio of 0.00% and nonperforming loan ratio of 0.00% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Citizens Nb of Crosbyton is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #3158). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Citizens Nb of Crosbyton holds $65M in total assets and $53M in total deposits. It is headquartered in Crosbyton, Texas (FDIC Certificate #3158).
Citizens Nb of Crosbyton has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.00%, and the return on assets is 2.88%.
Yes. Citizens Nb of Crosbyton is FDIC-insured (Certificate #3158). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Citizens Nb of Crosbyton's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.