CITIZENS 1ST BANK

TYLER, TX · Supervised by FDIC

Est. 1920FDIC #1,715RSSD: FDIC-1715

Satisfactory Same

Current rating · Exam: November 2012

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.60%

Institution Profile

FDIC BankFind

Website

www.citizens1stbank.com

Address

2001 E Southeast Loop 323, TYLER, TX

County

Smith County

Established

April 24, 1920

Total Assets

$828M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 1, 2012

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 13 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$828M

Total Deposits

$623M

Net Loans

$486M

Net Income

$3M

ROA

1.60%

Above avg for Small banks. Peer avg: 0.44%

ROE

9.25%

Risk-Based Capital

37.12%

Above avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA1.60%Peer avg: 0.44%▲ Above avg

Risk-Based Capital37.12%Peer avg: 23.03%▲ Above avg

Mortgage Denial Rate8.20%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$570M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	122	66.39%	8.20%
2023	118	60.17%	11.86%
2022	158	58.86%	8.86%
2021	221	69.68%	11.31%
2020	237	75.11%	8.86%
2019	148	62.84%	10.81%
2018	178	73.6%	11.80%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Nov 2012	Satisfactory	Intermediate Small Bank
Oct 2009	Satisfactory	Intermediate Small Bank
Sep 2006	Satisfactory	Intermediate Small Bank

6 previous ratings locked — back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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