CITIZENS STATE BANK OF LOYAL

LOYAL, WI | Small | Est. Dec. 15, 1909, midnight | FDIC #6186 | RSSD #479446 | FDIC
Latest Report: 2025-12-31

CITIZENS STATE BANK OF LOYAL is asn small FDIC-insured commercial bank headquartered in LOYAL, WI, established in Dec. 15, 1909, midnight. As of 2025-12-31, the bank reported total assets of $309M and total deposits of $245M. Profitability stands at 1.05% ROA and 10.61% ROE, with a net interest margin of 3.29%. The bank's CET1 capital ratio is 16.65%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.02% and a Texas Ratio of 0.12%. FDIC Certificate #6186.

Assets

$309M

Deposits

$245M

Loans

$179M

Equity

$31M

Profitability

Return on Assets (ROA) 1.05%
Return on Equity (ROE) 10.61%
Net Interest Margin (NIM) 3.29%
Yield on Assets 5.19%
Cost of Funds 1.97%

Asset Quality

NPL Ratio 0.02%
Net Charge-Off Ratio 0.04%
Texas Ratio 0.12%
NPA Ratio 0.01%
ACL / Loans 1.06%

Capital & Liquidity

CET1 Ratio 16.65%
Tier 1 Capital 16.65%
Total Capital Ratio 17.63%
Leverage Ratio 11.33%
Loan-to-Deposit 72.96%

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