CITIZENS' BANK OF CHARLESTON

CHARLESTON, MO | Small | Est. Jan. 20, 1958, midnight | FDIC #17830 | RSSD #376947 | FDIC
Latest Report: 2025-12-31

CITIZENS' BANK OF CHARLESTON is asn small FDIC-insured commercial bank headquartered in CHARLESTON, MO, established in Jan. 20, 1958, midnight. As of 2025-12-31, the bank reported total assets of $189M and total deposits of $152M. Profitability stands at 1.54% ROA and 7.97% ROE, with a net interest margin of 5.17%. The bank's CET1 capital ratio is 18.88%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.91% and a Texas Ratio of 3.38%. FDIC Certificate #17830.

Assets

$189M

Deposits

$152M

Loans

$139M

Equity

$36M

Profitability

Return on Assets (ROA) 1.54%
Return on Equity (ROE) 7.97%
Net Interest Margin (NIM) 5.17%
Yield on Assets 6.89%
Cost of Funds 1.97%

Asset Quality

NPL Ratio 0.91%
Net Charge-Off Ratio 0.07%
Texas Ratio 3.38%
NPA Ratio 0.67%
ACL / Loans 1.32%

Capital & Liquidity

CET1 Ratio 18.88%
Tier 1 Capital 18.88%
Total Capital Ratio 19.82%
Leverage Ratio 19.22%
Loan-to-Deposit 91.46%

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