CITIZENS STATE BANK

HUDSON, WI | Small | Est. July 15, 1904, midnight | FDIC #6194 | RSSD #867856 | FDIC
Latest Report: 2025-12-31

CITIZENS STATE BANK is asn small FDIC-insured commercial bank headquartered in HUDSON, WI, established in July 15, 1904, midnight. As of 2025-12-31, the bank reported total assets of $478M and total deposits of $401M. Profitability stands at 1.15% ROA and 12.42% ROE, with a net interest margin of 4.02%. The bank's CET1 capital ratio is 9.38%. Asset quality metrics show a non-performing loan ratio of 0.26% and a Texas Ratio of 2.14%. FDIC Certificate #6194.

Assets

$478M

Deposits

$401M

Loans

$405M

Equity

$45M

Profitability

Return on Assets (ROA) 1.15%
Return on Equity (ROE) 12.42%
Net Interest Margin (NIM) 4.02%
Yield on Assets 6.33%
Cost of Funds 2.36%

Asset Quality

NPL Ratio 0.26%
Net Charge-Off Ratio 0.15%
Texas Ratio 2.14%
NPA Ratio 0.22%
ACL / Loans 1.21%

Capital & Liquidity

CET1 Ratio 9.38%
Tier 1 Capital 9.38%
Total Capital Ratio 9.85%
Leverage Ratio 9.80%
Loan-to-Deposit 101.03%

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