No stored Google rating available.
Citizens 1st Bank is a traditional bank offering checking, savings, and lending products with mobile deposit capability and online financial calculators.
Data compiled from public sources
Citizens 1st Bank operates as a full-service bank with a physical presence and online banking infrastructure. The bank maintains a website at citizens1stbank.com and emphasizes security and fraud prevention as core operational principles. They communicate directly with customers through support@citizens1stbank.com and maintain a clear stance against phishing attempts, explicitly warning that they never request personal information via email. The institution has developed enough organizational history to feature a 'Bank History' section on their site, suggesting established operations over multiple years.
The bank offers a range of standard retail banking products including checking and savings accounts, certificate of deposit (CD) accounts, and personal loans. They provide mortgage lending services for both home purchases and refinancing. The bank has invested in modern banking technology, including a mobile deposit product that allows customers to deposit checks remotely. They also offer business and consumer check ordering through Deluxe services, indicating support for both individual and commercial customers.
Citizens 1st Bank distinguishes itself through practical customer tools and transparency. They provide free online calculators for savings goals, mortgage planning, and personal loan assessment, helping customers make informed financial decisions before applying. The bank offers an Electronic Deposit Insurance Estimator, demonstrating attention to customer protection and FDIC coverage clarity. Bilingual support is evident from Spanish-language resources ('El Porque Una Cuenta Bancaria'), indicating commitment to diverse communities. Their fraud prevention resources and anti-phishing messaging show proactive customer education.
As a traditional bank, Citizens 1st Bank serves customers seeking conventional banking relationships with established security protocols and FDIC protection. However, the minimal website content and lack of detailed product specifications, interest rates, or fee schedules suggests limited online transparency. The site does not display current rates for savings accounts, mortgages, or personal loans, requiring customers to contact the bank directly for pricing. The lack of readily available account opening information or online application processes may indicate limited digital-first banking services compared to neobanks, though this reflects standard practices for community and regional banks.
This is state-level context for Banks consumers in Tyler, TX. It does not confirm that Citizens 1st Bank or this specific location is licensed.
State regulator
Texas Office of Consumer Credit Commissioner
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Citizens 1st Bank processed 91 mortgage applications in 2023, with 84.6% recorded as approved across 2 states.
91
Applications
84.6%
Approval Rate
$448K
Avg Loan
2
States Served
Based on 91 applications. Income in thousands (reported by applicant).
Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.
Citizens 1st Bank offers 12 services including Checking accounts, Savings accounts, Certificate of Deposit (CD) accounts, Personal loans, Mortgage lending (purchase and refinance), and 7 more.
Citizens 1st Bank has profile signals associated with Customers seeking traditional bank accounts with FDIC protection, Small business owners needing both personal and commercial banking services, Spanish-speaking customers in areas where Citizens 1st Bank operates, Borrowers interested in mortgages and personal loans from an established lender.
Key strengths: Offers mobile deposit technology for remote check deposits; Provides free financial calculators for savings, mortgages, and personal loans; Emphasizes fraud prevention and educates customers on scams. Areas to consider: Website lacks specific interest rates, fees, or product terms for comparison; No visible online account opening or application process listed.
In the Banks category, comparable providers include Credit Human | Park Ten Financial Health Center, PECU, SouthStar Bank Austin Loan Office. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Citizens 1st Bank is best suited for customers in their operating regions seeking traditional banking services with FDIC protection, mobile deposit capability, and basic lending products. The main caveat is that the bank's minimal online presence and lack of listed rate/fee information require direct customer contact for detailed pricing and product specifications, making it less convenient for rate-shopping or fully online account management compared to digital-first banking alternatives.
Credit Human is a credit union offering checking, savings, loans, and investment products with rate claims to verify and zero-fee checking accounts.
Google rating from 54 reviews
Profile signals: Members seeking fee-free checking and savings with rate claims to verify, Homebuyers interested in down-payment-free mortgage options
PECU is a member-owned, not-for-profit credit union in Austin, TX offering full-service banking including checking, savings, loans, and credit cards with rewards programs.
Google rating from 225 reviews
Profile signals: Austin-area residents seeking rewards-based checking with cash back on everyday spending categories, Credit union members who value not-for-profit structure and member ownership over corporate banking
SouthStar Bank is a Texas-based community bank serving the state since 1920, offering personal and commercial banking with locally-made loan decisions.
Google rating from 8 reviews
Profile signals: Texas-based small business owners seeking SBA or commercial construction financing with local decision-makers, Homebuilders and real estate developers needing spec home loans and construction financing
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