CITIZENS SAVINGS BANK

ANAMOSA, IA | Small | Est. Nov. 8, 1906, midnight | FDIC #10125 | RSSD #758842 | FDIC
Latest Report: 2025-12-31

CITIZENS SAVINGS BANK is asn small FDIC-insured commercial bank headquartered in ANAMOSA, IA, established in Nov. 8, 1906, midnight. As of 2025-12-31, the bank reported total assets of $160M and total deposits of $144M. Profitability stands at 0.90% ROA and 12.27% ROE, with a net interest margin of 3.03%. The bank's CET1 capital ratio is 17.09%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #10125.

Assets

$160M

Deposits

$144M

Loans

$72M

Equity

$12M

Profitability

Return on Assets (ROA) 0.90%
Return on Equity (ROE) 12.27%
Net Interest Margin (NIM) 3.03%
Yield on Assets 4.47%
Cost of Funds 1.46%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio -0.01%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.99%

Capital & Liquidity

CET1 Ratio 17.09%
Tier 1 Capital 17.09%
Total Capital Ratio 17.86%
Leverage Ratio 9.59%
Loan-to-Deposit 49.55%

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