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.

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

We offer a full range of banking services including checking and savings accounts and certificates of deposit. We also offer a wide variety of loans including personal loans, auto loans, and commercial loans. We can also assist in obtaining home purchase and home equity loans.
 
We 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. Call our Telebanc 24 toll free at (855) 636-0324.

We are excited to now add internet banking and online bill pay services to our products. If you ever have banking questions, our staff is always eager to assist you, so please don’t hesitate to call or email us @ csbprinceton@csbprinceton.com.

 
As of December 31, 2011

ASSETS
Cash and Due from Banks $ 1,253,000
Fed Funds Sold 4,100,000
Securities 25,090,000
Net Loans 8,208,000
Premises & Fixed Assets   363,000
Other Assets   5,117,000
Total Assets $ 44,131,000

LIABILITIES & EQUITY
     
Deposits $ 34,435,000
Other Liabilities   38,000
Common Stock   797,000
Surplus   1,797,000
Current Earnings & Undivided Profits   7,121,000
Other Comprehensive Income   (57)
     
Total Liabilities & Equity  $ 44,131,000
 

 

OFFICERS
     
William E. Bradshaw
President/CEO

Dawn Caputi
Vice President

Darrell Adams
Vice President/CLO

Diana Guinn
Cashier

Cindy Blackwell
Assistant Cashier

Susan Tillman
Banking Officer

 

 

 

DIRECTORS
 

Gene Adams
Chairman of the Board

William E. Bradshaw

Jimmy Gilbert

Tim Gilbert

J. A. Gooch
 

 

  
  

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NOTICE: Citizens State Bank insures deposits through the FDIC (Federal Deposit Insurance Corporation), which is an independent agency of the United States government. The FDIC protects you against the loss of your deposits if an FDIC-insured bank or savings institution fails. FDIC insurance is backed by the full faith and credit of the United States government. Since the FDIC's creation in 1933, no depositor has ever lost even one penny of FDIC-insured funds. The Dodd-Frank Wall Street Reform and Consumer Protection Act signed by President Barack Obama on July 21, 2010, made permanent the current maximum deposit insurance amount (SMDIA) of $250,000. The FDIC coverage limit applies per depositor, per insured depository institution, for each account ownership category. All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules.
The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts (“IOLTAs”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts. For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.