Citizens 1st Bank is a bank based in Tyler, Texas, established in 1920, with $828 million in total assets across 4 branches. By Trust Grade it ranks 41st of 349 banks we track in Texas. Its capital ratio of 17.4% is stronger than 95% of similarly sized banks, versus a Texas median of 10.9%. It was profitable over the most recent period, with a 1.60% return on assets. No consumer complaints against Citizens 1st 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 1st Bank compares to Texas peers
How we graded Citizens 1st Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (17.4% capital ratio)
- Strongly profitable (ROA 1.60%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Citizens 1st Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (4)
- 2001 E Southeast Loop 323, Tyler, TX 75701
- 825 S Jackson St, Jacksonville, TX 75766
- 125 N Main St, Rusk, TX 75785
- 3010 N University Dr, Nacogdoches, TX 75965
Are deposits at Citizens 1st Bank insured?
Yes. Citizens 1st Bank is an FDIC-insured bank (FDIC certificate #1715). 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 1st Bank: frequently asked questions
Is Citizens 1st Bank a good bank?
Citizens 1st Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (17.4% capital ratio); Strongly profitable (ROA 1.60%).
Is Citizens 1st Bank FDIC-insured?
Yes. Citizens 1st Bank is a FDIC-insured bank (FDIC certificate #1715). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Citizens 1st Bank?
Citizens 1st Bank holds $828 million in total assets, ranking 41st of 349 banks we track in Texas. It operates 4 branches.
Does Citizens 1st Bank have CFPB complaints?
No CFPB complaints against Citizens 1st 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.
