CITIZENS STATE BANK AT MOHALL, THE

MOHALL, ND | Micro | Est. June 1, 1915, midnight | FDIC #8632 | RSSD #688453 | FDIC
Latest Report: 2025-12-31

CITIZENS STATE BANK AT MOHALL, THE is amn micro FDIC-insured commercial bank headquartered in MOHALL, ND, established in June 1, 1915, midnight. As of 2025-12-31, the bank reported total assets of $79M and total deposits of $66M. Profitability stands at 0.85% ROA and 7.44% ROE, with a net interest margin of 3.93%. The bank's CET1 capital ratio is 13.84%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.66% and a Texas Ratio of 4.12%. FDIC Certificate #8632.

Assets

$79M

Deposits

$66M

Loans

$59M

Equity

$9M

Profitability

Return on Assets (ROA) 0.85%
Return on Equity (ROE) 7.44%
Net Interest Margin (NIM) 3.93%
Yield on Assets 5.70%
Cost of Funds 2.56%

Asset Quality

NPL Ratio 0.66%
Net Charge-Off Ratio -0.03%
Texas Ratio 4.12%
NPA Ratio 0.49%
ACL / Loans 0.75%

Capital & Liquidity

CET1 Ratio 13.84%
Tier 1 Capital 13.84%
Total Capital Ratio 14.49%
Leverage Ratio 11.75%
Loan-to-Deposit 89.66%

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