$332M
+16.0%y/y
Percentile by value48th percentileby value
FDIC
LNLSGRCB
Citizens Bank
Kilgore, TexasFDIC Cert #16817
STATEEstablished 194912 branches
Holding company: EAST TEXAS FINANCIAL CORPRegulator: FDIC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $62.2M |
| Investor CRE | $105M |
| Multifamily | $16.3M |
| Construction | $68.6M |
| 1–4 family | $42.6M |
| C&I | $33.6M |
| Agriculture | $1.65M |
| Other | $2.37M |
Loan book
Reported balances and balance-sheet intensity.
$324M
+15.8%y/y
Percentile by value47th percentileby value
FDIC
LNLSNET+15.83%
+191.6%y/y
Percentile by value88th percentileby value
FDIC
LNLSNET73.0%
+8.2%y/y
Percentile by value33rd percentileby value
FDIC
LNLSNET + DEP65.5%
+14.2%y/y
Percentile by value39th percentileby value
FDIC
LNLSNET + ASSET89.18%
+4.7%y/y
Percentile by value63rd percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
510%
+169.3%y/y
Percentile by value100th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC185%
+257.5%y/y
Percentile by value100th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC2,065points
+3.1%y/y
Peer standing56th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD18.73%
−19.5%y/y
Percentile by value77th percentileby value
FDIC
LNRENROW + LNLSGR31.56%
+4.7%y/y
Percentile by value91st percentileby value
FDIC
LNRENROT + LNLSGR10.10%
−28.6%y/y
Percentile by value56th percentileby value
FDIC
LNCI + LNLSGR