Citizens Community Bank (Pilot Grove, MO)
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Data as of · sourced from FFIEC call reports. How we update
Citizens Community Bank is an FDIC-insured commercial bank headquartered in Pilot Grove, MO, established in 1913 (FDIC certificate 12694), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $142.6M, up 3.0% from Q2 2025, the 150th largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.56% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12694
- Headquarters
- Pilot Grove, MO
- Established
- 1913
- Total assets, Q2 2026
- $142.6M
- Assets vs Q2 2025
- +3.0%
- Tier 1 leverage ratio, Q2 2026
- 11.56%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 101914286
- Holding company
- BANCORP II, INC.
- Asset rank in state
- 150th of 191 in Missouri
Citizens Community Bank, based in Pilot Grove, Missouri, reported $143 million in assets at June 30, 2026, up 3.0% from a year earlier. It holds commercial real estate loans equal to only 12% of its capital, a small fraction of the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets.
Earnings jumped: net income for the quarter was $405,000, 32% above the same quarter a year earlier. Over the same year, loans grew 8.4% and deposits grew 2.5%.
As of June 30, 2026, Citizens Community Bank reported a return on assets of 1.13%, a nonperforming-loan ratio of 0.27% and a Texas ratio of 1.64%. The figures come from its call report filed with the FFIEC.
Citizens Community Bank ranks as the 150th largest of the 191 banks based in Missouri, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.2% to $142.6M, loans rose 2.0% and deposits fell 1.4%. Farmland and other real estate loans made up 55.2% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 23.3%. The FDIC Summary of Deposits lists 3 offices for it, in Pilot Grove, MO, Boonville, MO and Blackwater, MO; its Pilot Grove office books 47% of its branch deposits. Judged on its Q2 2026 call report, Citizens Community Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 100 Roe St, Pilot Grove, MO 65276
- County
- Cooper
- Metro Area
- Columbia, MO
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 26, 1913
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 21
- Domestic deposits
- $125.9M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- $119K
- Average total assets
- $144.0M
- Average total loans
- $95.5M
- Average interest-bearing deposits
- $91.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12694
- Fed RSSD
- 578554
- Website
- www.ccb-online.net →
- Parent Holding Company
- BANCORP II, INC. (RSSD 1398731)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Citizens Community Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Citizens Community Bank's total assets ranged from $126.8M (Q2 2024) to $144.3M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$142.6M total assets against $138.5M; $126.2M total liabilities against $123.2M.
$95.3M net loans and leases against $87.7M; $125.9M total deposits against $122.9M.
$25.6M securities against $27.6M; $14.8M cash and balances due against $16.6M.
$1.9M total interest income against $1.7M; $597K total interest expense against $633K.
$1.3M net interest income against $1.1M.
$124K total noninterest income against $116K; $907K total noninterest expense against $829K.
$32K provision for credit losses against $0.
$405K net income against $306K.
1.13% return on assets against 0.89%; 3.96% net interest margin against 3.45%.
11.56% tier 1 leverage ratio against 11.37%.
Inside the full Citizens Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCitizens Community Bank rankings
Its closest position to the top of a national ranking is 2,098 of 3,606, for efficiency ratio; its furthest is 3,345 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.63% (Q1 2025) to 1.24% (Q1 2026) and its net interest margin ran from 3.17% (Q1 2025) to 3.96% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.56% | 1.13% | 0.27% | 1.64% | 3.96% |
| Q1 2026 | 11.58% | 1.24% | 0.22% | 1.33% | 3.84% |
| Q4 2025 | 11.69% | 1.19% | 0.66% | 3.56% | 3.85% |
| Q3 2025 | 11.57% | 1.09% | 0.75% | 4.08% | 3.67% |
| Q2 2025 | 11.37% | 0.89% | 0.35% | 1.89% | 3.45% |
| Q1 2025 | 11.54% | 0.63% | 0.38% | 2.02% | 3.17% |
| Q4 2024 | 11.91% | 0.83% | 0.19% | 1.04% | 3.42% |
| Q3 2024 | 11.92% | 0.87% | 0.20% | 1.10% | 3.31% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Citizens Community Bank (main office) | Pilot Grove , MO | 65276 | $59.7M |
| Citizens Community Bank (Boon Branch | Boonville , MO | 65233 | $51.3M |
| Blackwater Branch | Blackwater , MO | 65322 | $14.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 179 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 28 applications, 21 loans originated, $2.4M originated, across 1 states
- Period: Calendar year 2024. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $2.1M approved, $2.1M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2015 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Citizens Community Bank
What are Citizens Community Bank's total assets?
As of the Q2 2026 filing, Citizens Community Bank reported total assets of $142.6 million in its FFIEC call report.
Where is Citizens Community Bank headquartered?
It is headquartered in Pilot Grove, MO, United States.
When was Citizens Community Bank founded?
It was established in 1913, per the FDIC institution directory.
Is Citizens Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12694). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Community Bank?
Citizens Community Bank's primary federal regulator is the FDIC.
How many branches does Citizens Community Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens Community Bank's Texas Ratio?
Its Texas Ratio is 1.64% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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