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.
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