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Citizens 1st Bank will NEVER request personal or account information from our customers via email

Citizens 1st Bank History



Citizens 1st Bank was chartered in Rusk on April 6, 1920. During the past 90+ years, the bank has had only three presidents - B. B. Perkins, E. R. Gregg, and the current President, James I. Perkins. Our current President has served since 1971 providing stability and leadership for the bank.

Throughout the years, Citizens 1st Bank has grown steadily, sometimes spectacularly, but always with strength. When the bank completed its first day of business in 1920, it had deposits of $105,000 with capital of $50,000. As of December 31, 2021, the assets of the bank were $800,996,580 with capital of $141,697,726, making Citizens 1st Bank one of the safest banks in the United States.*

Because of Citizens 1st Bank's conservative philosophy and strong leadership, it was able to expand from its strong foundation in 1990 and 1991 with the purchase of four savings and loan associations, giving it locations in Tyler (now its home office), Nacogdoches and Jacksonville, along with the original office in Rusk.

Throughout the years Citizens 1st Bank has used the core principles of good customer service and conservative business practices to become the bank it is today. Citizens 1st Bank is one of the highest rated banks in the Nation by Weiss Ratings, Bauer Financial Reports and Veribank Bank Rating Company. We are proud of the communities we serve and welcome the opportunity to continue to serve today and into the future.





Bank President James I. Perkins with customers





About Us

Locally Owned and Operated Since 1920

We have branches located in Tyler, Nacogdoches, Rusk and Jacksonville to serve you. We have been a Bauer 5-star Rated Institution for over 130 consecutive quarters.



Local Decisions
Knowledgeable Staff
Mobile Deposit
Mobile App
Our institution is rated 5-stars by Bauer














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                  Equal Housing Lender             Member FDIC


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