BanksCITIZENS STATE BANK OF LOYAL

CITIZENS STATE BANK OF LOYAL

LOYAL, WISmallEst. Dec. 15, 1909, midnightFDIC #6186RSSD #479446FDIC
Latest · 2025-12-31

CITIZENS STATE BANK OF LOYAL is an 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%. CET1 capital ratio: 16.65%, well above regulatory minimums. NPL ratio: 0.02% · Texas Ratio: 0.12%. Operates 5 domestic branches.

Assets
$309M
Deposits
$245M
Loans
$179M
Equity
$31M

Profitability

Return on Assets (ROA)1.05%
Return on Equity (ROE)10.61%
Net Interest Margin3.29%
Yield on Assets5.19%
Cost of Funds1.97%

Asset Quality

NPL Ratio0.02%
Net Charge-Off Ratio0.04%
Texas Ratio0.12%
NPA Ratio0.01%
ACL / Loans1.06%

Capital & Liquidity

CET1 Ratio16.65%
Tier 1 Capital16.65%
Total Capital Ratio17.63%
Leverage Ratio11.33%
Loan-to-Deposit72.96%

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