CITIZENS STATE BANK OF ROSEAU
CITIZENS STATE BANK OF ROSEAU is an FDIC-insured commercial bank headquartered in ROSEAU, MN, established in 1905. As of , 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 3.37%. CET1 capital ratio: 11.81%, well above regulatory minimums. NPL ratio: 0.14% · Texas Ratio: 0.66%. Operates 1 domestic branch.
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run.
Citizens State Bank of Roseau rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 11.81% | 1.38% | 0.14% | 0.66% | 3.37% |
| 2025-09-30 | 11.67% | 1.48% | 0.37% | 1.67% | 3.30% |
| 2025-06-30 | 11.32% | 1.51% | 0.48% | 2.25% | 3.30% |
| 2025-03-31 | 10.76% | 1.47% | 0.74% | 3.73% | 2.96% |
| 2024-12-31 | 10.09% | 1.19% | 0.60% | 3.44% | 2.82% |
| 2024-09-30 | 9.87% | 1.28% | 0.68% | 3.66% | 2.67% |
| 2024-06-30 | 8.82% | 1.15% | 0.74% | 4.19% | 2.55% |
| 2024-03-31 | 8.59% | 0.88% | 0.31% | 1.93% | 2.40% |
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Frequently asked about CITIZENS STATE BANK OF ROSEAU
What are Citizens State Bank of Roseau's total assets?
As of the Q4 2025 filing, Citizens State Bank of Roseau reported total assets of $286.5 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Citizens State Bank of Roseau headquartered?
Citizens State Bank of Roseau is headquartered in ROSEAU, MN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Citizens State Bank of Roseau founded?
Citizens State Bank of Roseau was established in 1905, per the FDIC institution directory.
Is Citizens State Bank of Roseau FDIC-insured?
Yes. Citizens State Bank of Roseau is an FDIC-insured commercial bank (FDIC Certificate #10167). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens State Bank of Roseau?
Citizens State Bank of Roseau's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Citizens State Bank of Roseau's CET1 capital ratio?
Citizens State Bank of Roseau reported a Common Equity Tier 1 (CET1) capital ratio of 11.81% in its most recent quarterly filing — above regulatory minimums.
How many branches does Citizens State Bank of Roseau operate?
Citizens State Bank of Roseau operates 1 domestic branch, per the most recent FDIC Summary of Deposits filing.
What is Citizens State Bank of Roseau's Texas Ratio?
Citizens State Bank of Roseau's Texas Ratio is 0.66% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.