CITIZENS STATE BANK

CADOTT, WI | Small | Est. Aug. 20, 1902, midnight | FDIC #2467 | RSSD #149150 | FDIC
Latest Report: 2025-12-31

CITIZENS STATE BANK is asn small FDIC-insured commercial bank headquartered in CADOTT, WI, established in Aug. 20, 1902, midnight. As of 2025-12-31, the bank reported total assets of $254M and total deposits of $207M. Profitability stands at 0.86% ROA and 10.72% ROE, with a net interest margin of 4.52%. The bank's CET1 capital ratio is 10.98%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.44% and a Texas Ratio of 3.76%. FDIC Certificate #2467.

Assets

$254M

Deposits

$207M

Loans

$200M

Equity

$20M

Profitability

Return on Assets (ROA) 0.86%
Return on Equity (ROE) 10.72%
Net Interest Margin (NIM) 4.52%
Yield on Assets 6.36%
Cost of Funds 1.85%

Asset Quality

NPL Ratio 0.44%
Net Charge-Off Ratio 0.01%
Texas Ratio 3.76%
NPA Ratio 0.34%
ACL / Loans 1.50%

Capital & Liquidity

CET1 Ratio 10.98%
Tier 1 Capital 10.98%
Total Capital Ratio 12.23%
Leverage Ratio 8.27%
Loan-to-Deposit 96.95%

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