Texas Citizens Bank Mortgage Rates, Fees & Info

Pasadena, TX

LEI: 54930046358D5EC2R282

Tax ID: 06-1772059

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Texas Citizens Bank is a smaller bank specializing in various types of mortgages.



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    Originations

    0

    Origination Dollar Volume (All Markets)

    $0

    Employee count

    91

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    TEXAS CAPITAL BANCSHARES, INC. Other type of mortgage Trouble during payment process 1 100.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Texas Citizens Bank, National Association 1334 Brittmoore Rd, Suite 119 Houston, TX 77043 Full Service B&M $5,628
    Texas Citizens Bank, National Association 14020 Hwy 3 Ste 100 Houston, TX 77058 Full Service B&M $58,658
    Texas Citizens Bank, National Association 1800 Nasa Parkway Houston, TX 77056 Full Service B&M $144,154
    Texas Citizens Bank, National Association 24701 Southwest Freeway, Suite 700 Rosenberg, TX 77469 Full Service B&M $55,664
    Texas Citizens Bank, National Association 3636 Rice Blvd Houston, TX 77005 Full Service B&M $72,057
    Texas Citizens Bank, National Association 4949 Fairmont Parkway Pasadena, TX 77505 Full Service B&M $117,535

    For 2021, Texas Citizens Bank had 6 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $20,399
    Net interest income $19,155
    Total noninterest income $2,079
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $722
    Trading account gains and fees $0
    Additional Noninterest Income $1,357
    Pre-tax net operating income $4,206
    Securities gains (or losses, -) $712
    Income before extraordinary items $3,937
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $3,937
    Minority interest net income $0
    Net income $3,937
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $3,367

    Texas Citizens Bank's gross interest income from loans was $20,399,000.
    Texas Citizens Bank's net interest income from loans was $19,155,000.
    Texas Citizens Bank's fee based income from loans was $722,000.
    Texas Citizens Bank's net income from loans was $3,937,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $1,244
    Provision for credit losses $-820
    Total noninterest expense $17,848
    Salaries and employee benefits $9,432
    Premises and equipment expense $3,181
    Additional noninterest expense $5,235
    Applicable income taxes $981
    Net charge-offs $91
    Cash dividends $1,594

    Texas Citizens Bank's interest expense for loans was $1,244,000.
    Texas Citizens Bank's payroll and benefits expense were $9,432,000.
    Texas Citizens Bank's property, plant and equipment expenses $3,181,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 2.0%
    Real Estate loans 2.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 2.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 8.0%
    HELOC loans 0.0%
    All other family 8.0%
    Commercial & industrial loans 1.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $482,814
    Deposits held in domestic offices $482,814
    Deposits by Individuals, partnerships, and corporations $477,568
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $3,600
    Deposits by Commercial banks and other depository institutions in U.S. $1,646
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $247,868
    Demand deposits $196,025
    Nontransaction accounts $234,946
    Money market deposit accounts (MMDAs) $160,223
    Other savings deposits (excluding MMDAs) $25,085
    Total time deposits $49,638
    Total time and savings deposits $286,789
    Noninterest-bearing deposits $196,025
    Interest-bearing deposits $286,789
    Retail deposits $467,030
    IRAs and Keogh plan accounts $6,201
    Brokered deposits $502
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $545,846
    Cash & Balances due from depository institutions $167,593
    Interest-bearing balances $157,827
    Total securities $2,551
    Federal funds sold & reverse repurchase $0
    Net loans and leases $352,016
    Loan and leases loss allowance $6,488
    Trading account assets $0
    Bank premises and fixed assets $2,898
    Other real estate owned $0
    Goodwill and other intangibles $0
    All other assets $20,788

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $545,846
    Total Liabilities $489,119
    Total deposits $482,814
    Interest-bearing deposits $286,789
    Deposits held in domestic offices $482,814
    % insured (estimated) $61
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $875
    Subordinated debt $0
    All other liabilities $5,430

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $352,016
    Loan and leases loss allowance $6,488
    Total loans and leases (domestic) $358,504
    All real estate loans $274,368
    Real estate loans in domestic offices $274,368
    Construction and development loans $38,710
    Residential 1-4 family construction $3,006
    Other construction, all land development and other land $35,704
    Loans secured by nonfarm nonresidential properties $216,829
    Nonfarm nonresidential secured by owner-occupied properties $125,753
    Commercial real estate & other non-farm, non-residential $91,076
    Multifamily residential real estate $4,139
    1-4 family residential loans $14,690
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $59,727
    To non-U.S. addressees $0
    Loans to individuals $7,409
    Credit card loans $0
    Related Plans $4,513
    Consumer Auto Loans $164
    Other loans to individuals $2,732
    All other loans & leases $18,198
    Loans to foreign governments and official institutions $0
    Other loans $18,198
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $355
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $13,731
    Non 1-4 family restructured loans & leases $13,656
    Total loans and leases (foreign) $0

    Texas Citizens Bank had $352,016,000 of loans outstanding in 2021. $274,368,000 of loans were in real estate loans. $38,710,000 of loans were in development loans. $4,139,000 of loans were in multifamily mortgage loans. $14,690,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $164,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 121 $34,543 $285,479
    Nonfarm, nonresidential loans - <$100k 14 $468 $33,429
    Nonfarm, nonresidential loans - $100-250k 27 $2,988 $110,667
    Nonfarm, nonresidential loans - $250k-1MM 80 $31,087 $388,588
    Commercial & Industrial, US addressed loans - <$1MM 330 $28,801 $87,276
    Commercial & Industrial, US addressed loans - <$100k 143 $3,513 $24,566
    Commercial & Industrial, US addressed loans - $100-250k 99 $6,686 $67,535
    Commercial & Industrial, US addressed loans - $250k-1MM 88 $18,602 $211,386