CITIZENS SAVINGS BANK

SPILLVILLE, IA | Small | Est. Jan. 1, 1908, midnight | FDIC #12128 | RSSD #544447 | FDIC
Latest Report: 2025-12-31

CITIZENS SAVINGS BANK is asn small FDIC-insured commercial bank headquartered in SPILLVILLE, IA, established in Jan. 1, 1908, midnight. As of 2025-12-31, the bank reported total assets of $145M and total deposits of $124M. Profitability stands at 0.44% ROA and 4.23% ROE, with a net interest margin of 2.22%. The bank's CET1 capital ratio is 10.66%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.11% and a Texas Ratio of 0.43%. FDIC Certificate #12128.

Assets

$145M

Deposits

$124M

Loans

$68M

Equity

$15M

Profitability

Return on Assets (ROA) 0.44%
Return on Equity (ROE) 4.23%
Net Interest Margin (NIM) 2.22%
Yield on Assets 4.88%
Cost of Funds 2.74%

Asset Quality

NPL Ratio 0.11%
Net Charge-Off Ratio 0.05%
Texas Ratio 0.43%
NPA Ratio 0.05%
ACL / Loans 1.83%

Capital & Liquidity

CET1 Ratio 10.66%
Tier 1 Capital 10.66%
Total Capital Ratio 11.19%
Leverage Ratio 15.55%
Loan-to-Deposit 54.71%

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