CITIZENS STATE BANK

WYOMING, IA | Small | Est. Jan. 1, 1913, midnight | FDIC #11759 | RSSD #212344 | FDIC
Latest Report: 2025-12-31

CITIZENS STATE BANK is asn small FDIC-insured commercial bank headquartered in WYOMING, IA, established in Jan. 1, 1913, midnight. As of 2025-12-31, the bank reported total assets of $125M and total deposits of $100M. Profitability stands at 1.17% ROA and 6.64% ROE, with a net interest margin of 3.92%. The bank's CET1 capital ratio is 16.73%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.01% and a Texas Ratio of 0.02%. FDIC Certificate #11759.

Assets

$125M

Deposits

$100M

Loans

$70M

Equity

$22M

Profitability

Return on Assets (ROA) 1.17%
Return on Equity (ROE) 6.64%
Net Interest Margin (NIM) 3.92%
Yield on Assets 5.78%
Cost of Funds 2.09%

Asset Quality

NPL Ratio 0.01%
Net Charge-Off Ratio 0.16%
Texas Ratio 0.02%
NPA Ratio 0.00%
ACL / Loans 0.78%

Capital & Liquidity

CET1 Ratio 16.73%
Tier 1 Capital 16.73%
Total Capital Ratio 17.57%
Leverage Ratio 18.83%
Loan-to-Deposit 70.69%

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