Citizens State Bank, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

Citizens State Bank is a member of Baylor Bancshares, Inc., a four bank holding company based in Seymour, Texas. CSB is one of the oldest banks in Texas, and celebrated its one hundredth anniversary on January 25, 2007.

Banks office is located at 112 W. Princeton Drive (Highway 380). As a community bank, Citizens State Banks board of directors are local business people who have lived and worked in this community for many years. The bank currently have ten employees who also live in its community and take pride in being involved in various school and civic activities.

Citizens State Bank offers a full range of banking services including checking and savings accounts and certificates of deposit. The bank also offers a wide variety of loans including personal loans, auto loans, and commercial loans. Citizens State Bank can also assist in obtaining home purchase and home equity loans.

Citizens State Bank also have a convenient ATM and offer free 24 hour telephone banking service to enable our customers to obtain current status and detailed information on both deposit and loan accounts.

112 W Hwy 380
P O Box 130
Princeton, TX 75407

(972)734-2424
(972)736-2423
Fax: (972)736-2478
1-855-636-0324 (toll free)