CITIZENS STATE BANK OF LANKIN

LANKIN, ND | Micro | Est. May 15, 1905, midnight | FDIC #9422 | RSSD #940852 | FDIC
Latest Report: 2025-12-31

CITIZENS STATE BANK OF LANKIN is amn micro FDIC-insured commercial bank headquartered in LANKIN, ND, established in May 15, 1905, midnight. As of 2025-12-31, the bank reported total assets of $72M and total deposits of $61M. Profitability stands at 1.23% ROA and 14.40% ROE, with a net interest margin of 5.04%. The bank's CET1 capital ratio is 8.72%. Asset quality metrics show a non-performing loan ratio of 0.10% and a Texas Ratio of 0.77%. FDIC Certificate #9422.

Assets

$72M

Deposits

$61M

Loans

$51M

Equity

$6M

Profitability

Return on Assets (ROA) 1.23%
Return on Equity (ROE) 14.40%
Net Interest Margin (NIM) 5.04%
Yield on Assets 6.84%
Cost of Funds 2.77%

Asset Quality

NPL Ratio 0.10%
Net Charge-Off Ratio 0.05%
Texas Ratio 0.77%
NPA Ratio 0.07%
ACL / Loans 0.67%

Capital & Liquidity

CET1 Ratio 8.72%
Tier 1 Capital 8.72%
Total Capital Ratio 9.15%
Leverage Ratio 10.41%
Loan-to-Deposit 83.86%

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