CITIZENS STATE BANK

CARLETON, NE | Micro | Est. Feb. 1, 1890, midnight | FDIC #18724 | RSSD #235558 | FDIC
Latest Report: 2025-12-31

CITIZENS STATE BANK is amn micro FDIC-insured commercial bank headquartered in CARLETON, NE, established in Feb. 1, 1890, midnight. As of 2025-12-31, the bank reported total assets of $36M and total deposits of $28M. Profitability stands at 1.17% ROA and 11.35% ROE, with a net interest margin of 4.36%. The bank's CET1 capital ratio is 10.29%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #18724.

Assets

$36M

Deposits

$28M

Loans

$31M

Equity

$4M

Profitability

Return on Assets (ROA) 1.17%
Return on Equity (ROE) 11.35%
Net Interest Margin (NIM) 4.36%
Yield on Assets 7.07%
Cost of Funds 3.07%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.44%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.66%

Capital & Liquidity

CET1 Ratio 10.29%
Tier 1 Capital 10.29%
Total Capital Ratio 10.81%
Leverage Ratio 10.49%
Loan-to-Deposit 108.41%

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