PRESS RELEASE
FOR IMMEDIATE RELEASE
August 1, 2025
For more information contact:
Joe Quiroga, Texas National Bank- President
(956) 212-1600 or jquiroga@texasnational.com
Texas National Bank To Acquire Citizens State Bank, Roma, Texas
McAllen, Texas- TNB Bancshares, Inc, the holding company for Texas National Bank (“TNB”),
announced today that it has entered into a definitive agreement to acquire Citizens State Bank,
Roma, Texas.
Citizens State Bank is a full-service bank with locations in Roma, Texas and Rio Grande City,
Texas, with more than $78 million in total assets. This transaction aligns with Texas National
Bank’s expansion plans into Starr County. The combined company will have approximately
$1.1 billion in assets with 12 branches across Hidalgo, Cameron and Starr Counties in Texas.
Joe Quiroga, President of Texas National Bank, commented, “We are excited to welcome
Citizens State Bank’s employees and clients to Texas National Bank as we bring our
commitment to the community of Starr County. There is excitement in the air as we celebrate
the second milestone inside of a week after just surpassing the Billion Dollar mark earlier this
week. Together, we will support Starr County with the TNB Friendly way of banking.”
“The ability to service our community has always been our priority and our founding purpose,”
said Yvette Trevino, President and CEO of Citizens State Bank. “With this partnership, our
customers will gain access to a wider array of product offerings and expand our geographic
locations. The combined strength of the banks will enhance our proven ability to grow and
support entrepreneurialism in our communities, while strengthening the benefits to our
customers and employees.”
The transaction has been unanimously approved by the Boards of Directors of both companies.
It remains subject to customary shareholder and regulatory approvals and is expected to close
in the fourth quarter of 2025.
About Texas National Bank
Locally owned and operating since 1920, Texas National Bank delivers extraordinary service
and products to Hidalgo and Cameron Counties. We live through our vision daily by providing a
Friendly banking experience through personal touch, technology, people development, and
community involvement. Over the last few years, Texas National Bank has shown exceptional
growth by managing risk while increasing capital above market levels. We are proud to be
recognized by BauerFinancial as a 5-Star bank; the highest rating available. This superior rating
reflects our substantial capital, adequate liquidity, high-asset quality, and good earnings. For
more information about Texas National Bank visit www.texasnational.com
About Citizens State Bank, Roma, TX
Citizens State Bank was founded in 1977 in Roma, Texas where its headquarters continues to
operate. From its inception, Citizens State Bank has been committed to promoting community
growth and continue to live by that commitment. Citizens State Bank is known for its dedication
to quality, strength, and integrity. Citizens continues to focus on the needs of the community and
its citizens’ financial services by providing stability and security without losing the personal
touch. For additional information on Citizens State Bank, please visit www.csbroma.com
Hunton Andrews Kurth LLP served as legal counsel to Texas National Bank and Larry Temple
served as legal counsel to Citizens State Bank.
Cautionary Note Regarding Forward Looking Statements
This press release contains forward-looking statements, including but not limited to statements
regarding the proposed transaction, the business of Texas National Bank and other matters.
Any statements about our expectations, beliefs, plans, predictions, protections, forecasts,
objectives, assumptions or future events or performance are not historical facts and may be
forward-looking statements. Forward-looking statements are typically, but not exclusively,
identified by the use of forward-looking terminology such as “believes,” “expects,” “could,”
“may,” “will,” “should,” “seeks,” “likely,” “intends” “plans,” “pro forma,” “projects,” “estimates” or
“anticipates” or the negative of these words and phrases or similar words or phrases that are
predictions of or indicate future events or trends and that do not relate solely to historical
matters. Forward-looking statements are subject to risks and uncertainties and are not
guarantees of future performance and actual results may differ materially from those expressed
or contemplated by the particular forward-looking statement, and, therefore, you are cautioned
not to place undue reliance on such statements. Further, any forward-looking statement speaks
only as of the date on which it is made, and neither Texas National Bank nor Citizens State
Bank undertakes any obligation to update any forward-looking statement to reflect events or
circumstances after the date on which the statement is made or to reflect the occurrence of
unanticipated events or circumstances, except as required by applicable law.
FAQs
Who is acquiring Citizens State Bank?
Texas National Bank (TNB) is acquiring Citizens State Bank, Roma, Texas.
The acquisition is being made through TNB Bancshares, Inc., the holding company for Texas National Bank.
Why is Citizen Bank joining Texas National Bank?
Citizens State Bank is joining Texas National Bank to: Provide customers with access to a wider array of product offerings.
Expand geographic locations for better service. Enhance growth and support entrepreneurialism in the community.
Strengthening benefits for both customers and employees through the combined strength of the two banks.
As a CSB customer, who will be taking care of my banking business?
Will any phone numbers change regarding who I contact for my account information.
For the time being you will be conducting your banking business with the same team of Friendly bankers in the Roma and Rio Grande City Locations.
The phone numbers for customer service questions will remain the same.
Can I conduct banking transactions at any Texas National Bank?
Our plans to merge will not take place until March 2026 at which time you will be able to conduct your banking transactions at any of our 9 locations
reaching from Brownsville, Texas to Mission, Texas.
As a CSB customer, Do I need to make any changes to my banking?
You can continue banking as usual, using the same online banking and mobile banking, debit cards, checks, and other services.
We will communicate well in advance of the merger of our banking offices in 2026,
at which time you’ll have access to more services and more banking offices in East and Southeast Texas to conduct business.
When can CSB customers start making deposits and withdrawals at TNB locations?
CSB customers can begin making deposits and withdrawals once the merger takes place in 2026.
When will CSB customers be able to start using TNB ATM’s at no charge?
Once the merger takes place in 2026 CSB customers will be able to use TNB ATMs’ at no charge.
Will my account number / routing number change?
No, your account and routing numbers will remain the same for the time being.
If they do change you will be notified in advance before any change takes effect.
Can I still use my check stock?
Yes, you can still use your CSB Check stock.
When will I receive a new Debit card? Will my Debit card number remain same?
You will be using your CSB Debit Card and card number until the merger in 2026 takes place.
If new debit cards need to be distributed, you will be notified in advance of any changes.
Will my ACH’s (auto debits) still work as scheduled or do I need TNB to send out notifications?
There will be no change to your account’s auto debits until the merger takes place in 2026.
Will my ACH’s (auto debits) be returned since it will be a new bank name?
Your auto debits will not be affected and will continue as normal.
Will I still have access to account history information after the “computer conversion”?
For the time being you will still have access to your account information.
Once the merger takes place, we will notify you if your account history access will change.
Will I have different bank fees to those I currently pay?
Your current banking fees will remain the same until we complete the merge of CSB with TNB.
Once we get closer to that date, we will make sure to notify you of the changes you can expect.