Company Information
Citizens State Bank, based in Woodville, Texas, has been serving the community since 1919. As a full-service commercial bank, it offers a diverse range of services including personal and business banking alongside specialized lending products. The bank emphasizes community banking by providing tailored financial solutions to meet the needs of its clients. The Woodville branch is a significant part of the bank's operations, offering personal banking, various loan services, and free online banking. The branch is located at 102 W Bluff St, Woodville, TX 75979, and operates with customer-friendly lobby and drive-up hours.
Leadership Team
- Harry J. Brooks
Position: Chairman, CEO, and President
Experience: With over 40 years in banking, Mr. Brooks is an expert in community banking and the founder of GrahamJB6 Co.
- Harold E. Allison, III 'Trey'
Position: President - East Texas Region
Career: Starting his career at Citizens State Bank in 1996, he has held roles such as Vice President, Woodville Branch Manager, and Retail Loan Officer.
- Jesse Gonzalez
Position: Director
Background: An independent business consultant and registered Professional Engineer, he previously chaired the Board of SpawGlass.
- Nolan Bedford
Position: Director
Experience: Embarking on a banking career spanning over 60 years, Mr. Bedford has cultivated strong connections with both the bank and the local community.
Recent Developments
In 2025, Citizens State Bank announced several senior leadership promotions to emphasize leadership development within the bank. Promotions included Will Brooks to Senior Vice President focusing on commercial lending, and the addition of David Munn to the executive team as Chief Credit Officer and Executive Vice President.
Financial Highlights
Citizens State Bank illustrates consistent financial health with approximately $348,740k in total assets, reinforcing its substantial presence as a community-focused financial institution.
Contact Information
- Address: 102 W Bluff St, Woodville, TX 75979
- Phone: (409) 283-2561
- Website: [Citizens Bank](https://www.citizensbank.net/)
Competitor Profiling
Overview
Citizens State Bank confronts a competitive market landscape with key competitors including Arthur State Bank, Clarkston State Bank, HOMEBANK, and InterBank. These institutions offer varying market presence and service offerings, presenting distinct challenges and opportunities.
Key Competitors
- Arthur State Bank
Location: Union, South Carolina
Founded: 1933
Size & Reach: Employing 201-500 people, managing 18 locations in South Carolina
Specialties: Mortgages, wealth management, business and personal banking
Strategies: Emphasizes family-owned heritage with traditional values blended with digital service advancements.
- Clarkston State Bank
Location: Clarkston, Michigan
Established: 1998
Assets: Approximately $219 million
Focus: Personalized service and community involvement offering commercial banking and lending services primarily in Michigan.
- HOMEBANK
Location: Palmyra, Missouri
Founded: 1934
Employee Base & Coverage: 51-200 employees, nine locations in Missouri and Illinois
Features: Extensive customer service with modern banking technologies while maintaining a strong community service focus.
- InterBank
Locations: Texas and Oklahoma
Services: Provides personal and business banking services with a notable emphasis on mobile banking features.
Customer Experience: Well-known for a robust mobile app offering comprehensive banking capabilities, enhancing convenience and accessibility.
Strategic Insights
To maintain and enhance its market position, Citizens State Bank can learn from its competitors' strengths and strategies. Enhancing digital banking services while maintaining strong community engagement is essential. Incorporating advanced technological solutions, alongside a focus on community, could offer a competitive advantage. Strategies aligning with Arthur State Bank’s blend of technology and personal service or HOMEBANK’s technological and community focus could potentially drive customer loyalty and market growth. By identifying service portfolio gaps and capitalizing on new market opportunities, Citizens State Bank can fortify its presence in Woodville and beyond.
