CITIZENS STATE BANK

SHELDON, IA | Small | Est. March 15, 1961, midnight | FDIC #18356 | RSSD #413543 | FDIC
Latest Report: 2025-12-31

CITIZENS STATE BANK is asn small FDIC-insured commercial bank headquartered in SHELDON, IA, established in March 15, 1961, midnight. As of 2025-12-31, the bank reported total assets of $199M and total deposits of $175M. Profitability stands at 1.58% ROA and 13.50% ROE, with a net interest margin of 3.50%. The bank's CET1 capital ratio is 10.20%, 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 #18356.

Assets

$199M

Deposits

$175M

Loans

$127M

Equity

$23M

Profitability

Return on Assets (ROA) 1.58%
Return on Equity (ROE) 13.50%
Net Interest Margin (NIM) 3.50%
Yield on Assets 5.25%
Cost of Funds 1.83%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.24%

Capital & Liquidity

CET1 Ratio 10.20%
Tier 1 Capital 10.20%
Total Capital Ratio 10.71%
Leverage Ratio 11.74%
Loan-to-Deposit 72.81%

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