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 Citizens State Bank Somerville, TX Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 22, 2026
Citizens State Bank Somerville, TX's 182 Day CD Jumbo rates are at 3.60%, 182 Day CDs rates are at 3.60%, 182 Day CD rates are at 3.34%, 12-Month CDs rates are at 3.09%, 18-Month CDs rates are at 2.93%. MonitorBankRates evaluates the financial stability of Citizens State Bank Somerville, TX with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.33%. Rates were last updated on 04/22/2026. Citizens State Bank Somerville, TX money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Citizens State Bank Somerville, TX? Share your experience about Citizens State Bank Somerville, TX by leaving a review below, or read customer reviews before you decide to use Citizens State Bank Somerville, TX. 
Citizens State Bank Somerville, TX CD Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Citizens State Bank Somerville, TX is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Citizens State Bank Somerville, TX rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Citizens State Bank Somerville, TX's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Citizens State Bank Somerville, TX
Bank Holding Company
C S B BANCSHARES INC
Address
155 8th St,
Somerville, TX 77879 · Burleson
Website
https://www.csbtx.bank
FDIC Certificate #
16753
Established
06/01/1925
FDIC Insurance Date
12/02/1948
Domestic Offices
7
Total Branches
7
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA
Overall Health Grade
Score: 95/100
5.0
Exceptional
Out of 5.0 Stars
9.33%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
1.4217%
Return on Equity (ROE)
14.5400%
Non-Performing Loans (NPL)
0.76%
Total Assets
$1,206,192,000
Total Deposits
$1,048,435,000
Equity Capital
$146,306,000
Net Income
$20,187,000
Headquarters
Somerville
Total Offices
7
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About Citizens State Bank Somerville, TXIs Citizens State Bank Somerville, TX a safe place to deposit money?Yes, Citizens State Bank Somerville, TX is considered a safe financial institution. With a Texas Ratio of 9.3251972768064%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. How many branches does Citizens State Bank Somerville, TX operate?Citizens State Bank Somerville, TX currently maintains approximately 7 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Citizens State Bank Somerville, TX does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Citizens State Bank Somerville, TX provides members with tools to manage their accounts and build a solid financial history. Does Citizens State Bank Somerville, TX offer online and mobile banking?Most modern institutions like Citizens State Bank Somerville, TX provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.csbtx.bank. Current Citizens State Bank Somerville, TX Rates
Retrieved from our database of financial products. Rates subject to change.
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