BanksCITIZENS' BANK OF CHARLESTON

CITIZENS' BANK OF CHARLESTON

CHARLESTON, MOSmallEst. Jan. 20, 1958, midnightFDIC #17830RSSD #376947FDIC
Latest · 2025-12-31

CITIZENS' BANK OF CHARLESTON is an 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%. CET1 capital ratio: 18.88%, well above regulatory minimums. NPL ratio: 0.91% · Texas Ratio: 3.38%. Operates 2 domestic branches.

Assets
$189M
Deposits
$152M
Loans
$139M
Equity
$36M

Profitability

Return on Assets (ROA)1.54%
Return on Equity (ROE)7.97%
Net Interest Margin5.17%
Yield on Assets6.89%
Cost of Funds1.97%

Asset Quality

NPL Ratio0.91%
Net Charge-Off Ratio0.07%
Texas Ratio3.38%
NPA Ratio0.67%
ACL / Loans1.32%

Capital & Liquidity

CET1 Ratio18.88%
Tier 1 Capital18.88%
Total Capital Ratio19.82%
Leverage Ratio19.22%
Loan-to-Deposit91.46%

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