CITIZENS SAVINGS BANK

CLARKS SUMMIT, PA | Small | Est. Jan. 1, 1902, midnight | FDIC #31184 | RSSD #828473 | OCC
Latest Report: 2025-12-31

CITIZENS SAVINGS BANK is asn small FDIC-insured commercial bank headquartered in CLARKS SUMMIT, PA, established in Jan. 1, 1902, midnight. As of 2025-12-31, the bank reported total assets of $355M and total deposits of $301M. Profitability stands at 0.27% ROA and 1.78% ROE, with a net interest margin of 2.60%. The bank's CET1 capital ratio is 30.39%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.23% and a Texas Ratio of 1.23%. FDIC Certificate #31184.

Assets

$355M

Deposits

$301M

Loans

$292M

Equity

$53M

Profitability

Return on Assets (ROA) 0.27%
Return on Equity (ROE) 1.78%
Net Interest Margin (NIM) 2.60%
Yield on Assets 4.16%
Cost of Funds 1.69%

Asset Quality

NPL Ratio 0.23%
Net Charge-Off Ratio 0.00%
Texas Ratio 1.23%
NPA Ratio 0.19%
ACL / Loans 0.34%

Capital & Liquidity

CET1 Ratio 30.39%
Tier 1 Capital 30.39%
Total Capital Ratio 30.98%
Leverage Ratio 15.29%
Loan-to-Deposit 97.02%

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