CITIZENS STATE BANK is an 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%. CET1 capital ratio: 11.87%, well above regulatory minimums. NPL ratio: 0.16% · Texas Ratio: 2.73%. Operates 17 domestic branches.
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