CITIZENS STATE BANK

WISNER, NE | Medium | Est. Oct. 19, 1888, midnight | FDIC #5495 | RSSD #482053 | FED
Latest Report: 2025-12-31

CITIZENS STATE BANK is amn medium FDIC-insured commercial bank headquartered in WISNER, NE, established in Oct. 19, 1888, midnight. As of 2025-12-31, the bank reported total assets of $640M and total deposits of $579M. Profitability stands at 1.24% ROA and 14.42% ROE, with a net interest margin of 3.57%. The bank's CET1 capital ratio is 11.87%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.16% and a Texas Ratio of 2.73%. FDIC Certificate #5495.

Assets

$640M

Deposits

$579M

Loans

$499M

Equity

$55M

Profitability

Return on Assets (ROA) 1.24%
Return on Equity (ROE) 14.42%
Net Interest Margin (NIM) 3.57%
Yield on Assets 6.08%
Cost of Funds 2.53%

Asset Quality

NPL Ratio 0.16%
Net Charge-Off Ratio 0.01%
Texas Ratio 2.73%
NPA Ratio 0.27%
ACL / Loans 1.47%

Capital & Liquidity

CET1 Ratio 11.87%
Tier 1 Capital 11.87%
Total Capital Ratio 13.12%
Leverage Ratio 10.40%
Loan-to-Deposit 86.28%

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