CITIZENS STATE BANK - LA CROSSE

LA CROSSE, WI | Medium | Est. Dec. 9, 1907, midnight | FDIC #1513 | RSSD #447557 | FDIC
Latest Report: 2025-12-31

CITIZENS STATE BANK - LA CROSSE is amn medium FDIC-insured commercial bank headquartered in LA CROSSE, WI, established in Dec. 9, 1907, midnight. As of 2025-12-31, the bank reported total assets of $658M and total deposits of $518M. Profitability stands at 2.67% ROA and 22.34% ROE, with a net interest margin of 4.41%. The bank's CET1 capital ratio is 11.96%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.68% and a Texas Ratio of 11.08%. FDIC Certificate #1513.

Assets

$658M

Deposits

$518M

Loans

$540M

Equity

$80M

Profitability

Return on Assets (ROA) 2.67%
Return on Equity (ROE) 22.34%
Net Interest Margin (NIM) 4.41%
Yield on Assets 6.79%
Cost of Funds 2.50%

Asset Quality

NPL Ratio 1.68%
Net Charge-Off Ratio 0.04%
Texas Ratio 11.08%
NPA Ratio 1.48%
ACL / Loans 1.38%

Capital & Liquidity

CET1 Ratio 11.96%
Tier 1 Capital 11.96%
Total Capital Ratio 12.56%
Leverage Ratio 12.18%
Loan-to-Deposit 104.23%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required