CITIZENS SAVINGS BANK is an 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%. CET1 capital ratio: 10.66%, well above regulatory minimums. NPL ratio: 0.11% · Texas Ratio: 0.43%. Operates 3 domestic branches.
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