CITIZENS BANK OF THE MIDWEST

ROLLA, MO | Small | Est. Feb. 28, 1944, midnight | FDIC #16126 | RSSD #44750 | FDIC
Latest Report: 2025-12-31

CITIZENS BANK OF THE MIDWEST is asn small FDIC-insured commercial bank headquartered in ROLLA, MO, established in Feb. 28, 1944, midnight. As of 2025-12-31, the bank reported total assets of $241M and total deposits of $195M. Profitability stands at 0.76% ROA and 13.16% ROE, with a net interest margin of 3.18%. The bank's CET1 capital ratio is 11.90%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.14% and a Texas Ratio of 36.43%. FDIC Certificate #16126.

Assets

$241M

Deposits

$195M

Loans

$165M

Equity

$14M

Profitability

Return on Assets (ROA) 0.76%
Return on Equity (ROE) 13.16%
Net Interest Margin (NIM) 3.18%
Yield on Assets 6.29%
Cost of Funds 3.05%

Asset Quality

NPL Ratio 0.14%
Net Charge-Off Ratio -0.01%
Texas Ratio 36.43%
NPA Ratio 2.47%
ACL / Loans 1.27%

Capital & Liquidity

CET1 Ratio 11.90%
Tier 1 Capital 11.90%
Total Capital Ratio 13.09%
Leverage Ratio 8.60%
Loan-to-Deposit 84.55%

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