CITIZENS STATE BANK OF WAVERLY (INCORPORATED)

CITIZENS STATE BANK OF WAVERLY (INCORPORATED) is asn small FDIC-insured commercial bank headquartered in WAVERLY, MN. As of 2025-12-31, the bank reported total assets of $118M and total deposits of $107M. Profitability stands at 0.85% ROA and 9.96% ROE, with a net interest margin of 3.35%. The bank's CET1 capital ratio is 17.13%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.93% and a Texas Ratio of 16.03%.