CITIZENS SAVINGS BANK

MARSHALLTOWN, IA | Micro | Est. Jan. 1, 1907, midnight | FDIC #14785 | RSSD #474544 | FDIC
Latest Report: 2025-12-31

CITIZENS SAVINGS BANK is amn micro FDIC-insured commercial bank headquartered in MARSHALLTOWN, IA, established in Jan. 1, 1907, midnight. As of 2025-12-31, the bank reported total assets of $75M and total deposits of $62M. Profitability stands at 0.91% ROA and 9.06% ROE, with a net interest margin of 4.11%. The bank's CET1 capital ratio is 15.01%, 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 #14785.

Assets

$75M

Deposits

$62M

Loans

$48M

Equity

$8M

Profitability

Return on Assets (ROA) 0.91%
Return on Equity (ROE) 9.06%
Net Interest Margin (NIM) 4.11%
Yield on Assets 5.32%
Cost of Funds 1.91%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.94%

Capital & Liquidity

CET1 Ratio 15.01%
Tier 1 Capital 15.01%
Total Capital Ratio 15.89%
Leverage Ratio 9.98%
Loan-to-Deposit 77.07%

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