BanksCITIZENS STATE BANK - LA CROSSE

CITIZENS STATE BANK - LA CROSSE

LA CROSSE, WIMediumEst. Dec. 9, 1907, midnightFDIC #1513RSSD #447557FDIC
Latest · 2025-12-31

CITIZENS STATE BANK - LA CROSSE is an 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%. CET1 capital ratio: 11.96%, well above regulatory minimums. NPL ratio: 1.68% · Texas Ratio: 11.08%. Operates 4 domestic branches.

Assets
$658M
Deposits
$518M
Loans
$540M
Equity
$80M

Profitability

Return on Assets (ROA)2.67%
Return on Equity (ROE)22.34%
Net Interest Margin4.41%
Yield on Assets6.79%
Cost of Funds2.50%

Asset Quality

NPL Ratio1.68%
Net Charge-Off Ratio0.04%
Texas Ratio11.08%
NPA Ratio1.48%
ACL / Loans1.38%

Capital & Liquidity

CET1 Ratio11.96%
Tier 1 Capital11.96%
Total Capital Ratio12.56%
Leverage Ratio12.18%
Loan-to-Deposit104.23%

This is just the summary.

The full dashboard covers 4,287 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Peer benchmarking
Excel tearsheet exports
Risk & failure probability
Create free account

No credit card required