Citizens Bank

Citizens Bank is a currently active commercial lending specialization banking institution headquartered in Kilgore, Texas. Established in 07/24/1949, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, Citizens Bank manages $495.1M in total assets and holds $444.2M in customer deposits. When evaluating the stability of Citizens Bank, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 6.58%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is 0.84%, while its Return on Equity (ROE) sits at 7.91%. These metrics result in a moderate health score of 7.5 out of 10, suggesting standard financial stability and adequate capital levels in line with industry averages.