CITIZENS COMMUNITY BANK

PILOT GROVE, MO | Small | Est. Aug. 26, 1913, midnight | FDIC #12694 | RSSD #578554 | FDIC
Latest Report: 2025-12-31

CITIZENS COMMUNITY BANK is asn small FDIC-insured commercial bank headquartered in PILOT GROVE, MO, established in Aug. 26, 1913, midnight. As of 2025-12-31, the bank reported total assets of $138M and total deposits of $122M. Profitability stands at 1.19% ROA and 10.29% ROE, with a net interest margin of 3.86%. The bank's CET1 capital ratio is 11.65%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.36% and a Texas Ratio of 1.96%. FDIC Certificate #12694.

Assets

$138M

Deposits

$122M

Loans

$94M

Equity

$16M

Profitability

Return on Assets (ROA) 1.19%
Return on Equity (ROE) 10.29%
Net Interest Margin (NIM) 3.86%
Yield on Assets 5.74%
Cost of Funds 1.96%

Asset Quality

NPL Ratio 0.36%
Net Charge-Off Ratio 0.00%
Texas Ratio 1.96%
NPA Ratio 0.24%
ACL / Loans 1.26%

Capital & Liquidity

CET1 Ratio 11.65%
Tier 1 Capital 11.65%
Total Capital Ratio 12.23%
Leverage Ratio 11.69%
Loan-to-Deposit 77.08%

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