CITIZENS STATE BANK OF ROSEAU

ROSEAU, MN | Small | Est. May 3, 1905, midnight | FDIC #10167 | RSSD #822051 | FDIC
Latest Report: 2025-12-31

CITIZENS STATE BANK OF ROSEAU is asn small FDIC-insured commercial bank headquartered in ROSEAU, MN, established in May 3, 1905, midnight. As of 2025-12-31, the bank reported total assets of $287M and total deposits of $251M. Profitability stands at 1.38% ROA and 11.74% ROE, with a net interest margin of 3.56%. The bank's CET1 capital ratio is 11.81%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.13% and a Texas Ratio of 0.60%. FDIC Certificate #10167.

Assets

$287M

Deposits

$251M

Loans

$163M

Equity

$34M

Profitability

Return on Assets (ROA) 1.38%
Return on Equity (ROE) 11.74%
Net Interest Margin (NIM) 3.56%
Yield on Assets 5.29%
Cost of Funds 1.82%

Asset Quality

NPL Ratio 0.13%
Net Charge-Off Ratio 0.28%
Texas Ratio 0.60%
NPA Ratio 0.07%
ACL / Loans 1.07%

Capital & Liquidity

CET1 Ratio 11.81%
Tier 1 Capital 11.81%
Total Capital Ratio 12.41%
Leverage Ratio 13.24%
Loan-to-Deposit 64.94%

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