Citizens Bank is a bank based in Kilgore, Texas, established in 1949, with $495 million in total assets across 11 branches. By Trust Grade it ranks 328th of 349 banks we track in Texas. Its capital ratio of 6.6% trails most similarly sized banks (5th percentile), versus a Texas median of 10.9%. It was profitable over the most recent period, with a 0.84% return on assets. No consumer complaints against Citizens Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Citizens Bank compares to Texas peers
How we graded Citizens Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (6.6% capital ratio)
- Profitable (ROA 0.84%)
- No CFPB complaints on record
The Trust Grade is Bankzia’s independent, documented opinion computed from public FDIC/NCUA/CFPB data — not an official rating, and not a statement about the safety of insured deposits. Report a data error or dispute this grade →
Consumer complaints (CFPB)
No CFPB complaints are on file for Citizens Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (11)
- 301 E Main St, Kilgore, TX 75662
- 104 Austin St, Center, TX 75935
- 678 N Main St, Gladewater, TX 75647
- 425 Northwest Loop 436, Carthage, TX 75633
- 1409 Broadway Ave, Gladewater, TX 75647
- 311 E Main St, Yorktown, TX 78164
- 8811 Fm 1960 Bypass Rd W, Humble, TX 77338
- 1055 S Pine St, Kountze, TX 77625
- 125 Highway 326 S, Sour Lake, TX 77659
- 3705 College Park Dr, The Woodlands, TX 77384
- 3111 University Dr E, Bryan, TX 77802
Are deposits at Citizens Bank insured?
Yes. Citizens Bank is an FDIC-insured bank (FDIC certificate #16817). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Citizens Bank: frequently asked questions
Is Citizens Bank a good bank?
Citizens Bank earns a Bankzia Trust Grade of B (84/100, "Strong"), based on a financial-strength score of 84/100 (it has no CFPB complaints on record). Well-capitalized (6.6% capital ratio); Profitable (ROA 0.84%).
Is Citizens Bank FDIC-insured?
Yes. Citizens Bank is a FDIC-insured bank (FDIC certificate #16817). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Citizens Bank?
Citizens Bank holds $495 million in total assets, ranking 328th of 349 banks we track in Texas. It operates 11 branches.
Does Citizens Bank have CFPB complaints?
No CFPB complaints against Citizens Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
