CITIZENS STATE BANK is an 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%. CET1 capital ratio: 10.88%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 2 domestic branches.
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