CITIZENS STATE BANK is amn medium FDIC-insured commercial bank headquartered in MONTICELLO, IA, established in March 11, 1931, midnight. As of 2025-12-31, the bank reported total assets of $596M and total deposits of $544M. Profitability stands at 1.06% ROA and 18.39% ROE, with a net interest margin of 2.88%. The bank's CET1 capital ratio is 4.64%, below regulatory well-capitalized thresholds. Asset quality metrics show a non-performing loan ratio of 1.51% and a Texas Ratio of 13.17%. FDIC Certificate #9047.
Assets
$596M
Deposits
$544M
Loans
$330M
Equity
$35M
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