CITIZENS COMMUNITY FEDERAL NATIONAL ASSOCIATION

ALTOONA, WI | Large | Est. Dec. 10, 2001, midnight | FDIC #57265 | RSSD #962890 | OCC
Latest Report: 2025-12-31

CITIZENS COMMUNITY FEDERAL NATIONAL ASSOCIATION is aln large FDIC-insured commercial bank headquartered in ALTOONA, WI, established in Dec. 10, 2001, midnight. As of 2025-12-31, the bank reported total assets of $1.8B and total deposits of $1.5B. Profitability stands at 1.12% ROA and 8.89% ROE, with a net interest margin of 3.43%. The bank's CET1 capital ratio is 13.37%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.18% and a Texas Ratio of 7.10%. FDIC Certificate #57265.

Assets

$1.8B

Deposits

$1.5B

Loans

$1.3B

Equity

$213M

Profitability

Return on Assets (ROA) 1.12%
Return on Equity (ROE) 8.89%
Net Interest Margin (NIM) 3.43%
Yield on Assets 5.41%
Cost of Funds 3.58%

Asset Quality

NPL Ratio 1.18%
Net Charge-Off Ratio 0.00%
Texas Ratio 7.10%
NPA Ratio 0.94%
ACL / Loans 1.67%

Capital & Liquidity

CET1 Ratio 13.37%
Tier 1 Capital 13.37%
Total Capital Ratio 14.62%
Leverage Ratio 11.33%
Loan-to-Deposit 86.82%

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