$489M
+11.3%y/y
Percentile by value77th percentileby value
FDIC
LNLSGRC1
Citizens 1st Bank
Tyler, TexasFDIC Cert #1715
STATEEstablished 19204 branches
Holding company: Not reportedRegulator: FED
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 | $24.6M |
| Investor CRE | $216M |
| Multifamily | $53.1M |
| Construction | $72.7M |
| 1–4 family | $99.7M |
| C&I | $8.05M |
| Agriculture | $2.13M |
| Other | $12.4M |
Loan book
Reported balances and balance-sheet intensity.
$486M
+11.2%y/y
Percentile by value77th percentileby value
FDIC
LNLSNET+11.16%
−10.8%y/y
Percentile by value76th percentileby value
FDIC
LNLSNET78.0%
+5.6%y/y
Percentile by value44th percentileby value
FDIC
LNLSNET + DEP58.6%
+3.7%y/y
Percentile by value24th percentileby value
FDIC
LNLSNET + ASSET96.15%
+0.3%y/y
Percentile by value84th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
199%
+8.7%y/y
Percentile by value61st percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC42%
−10.7%y/y
Percentile by value55th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC2,738points
−1.3%y/y
Peer standing24th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD5.03%
−6.9%y/y
Percentile by value16th percentileby value
FDIC
LNRENROW + LNLSGR44.20%
+0.5%y/y
Percentile by value98th percentileby value
FDIC
LNRENROT + LNLSGR1.65%
+8.4%y/y
Percentile by value6th percentileby value
FDIC
LNCI + LNLSGR