Citizens Savings Bank (Marshalltown, IA)
Also written as CSB
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Data as of · sourced from FFIEC call reports. How we update
Citizens Savings Bank is an FDIC-insured commercial bank headquartered in Marshalltown, IA, supervised by the FDIC, with $77.9M in total assets at Q2 2026, down 0.9% from Q2 2025, the 203rd largest of 225 banks headquartered in Iowa. It was established in 1907 and holds FDIC certificate 14785. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.90% 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
- 14785
- Headquarters
- Marshalltown, IA
- Established
- 1907
- Total assets, Q2 2026
- $77.9M
- Assets vs Q2 2025
- -0.9%
- Tier 1 leverage ratio, Q2 2026
- 9.90%
- Domestic offices
- 3 · Citizens Savings Bank branches FDIC institution directory, current count
- Routing number
- 073910266
- Safety and soundness
- Is Citizens Savings Bank safe?
- Latest call report
- Q2 2026, FFIEC 051 · Citizens Savings Bank Q3 2026 call report, filed October 14, 2026 (preliminary)
- Holding company
- GILMAN INVESTMENT CO.
- Asset rank in state
- 203rd of 225 in Iowa
Citizens Savings Bank, based in Marshalltown, Iowa, reported $78 million in assets at June 30, 2026. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 533 banks with less than $100 million in assets (median 1.9%). On the other hand, it funds 9.90% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 12.81%).
Earnings fell sharply: quarterly net income of $149,000 was 49% below a year earlier. Over the same year, loans grew 2.8% and deposits shrank 1.9%.
As of June 30, 2026, Citizens Savings Bank reported a return on assets of 0.74%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Citizens Savings Bank is the 203rd largest of the 225 banks headquartered in Iowa. Between Q1 2026 and Q2 2026, its total assets rose 1.3% to $77.9M, loans rose 2.5% and deposits rose 1.5%. Agricultural production loans made up 30.8% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 24.7%. The FDIC Summary of Deposits lists 3 offices for it, in Gilman, IA, Marshalltown, IA and Le Grand, IA; its Gilman office books 48% of its branch deposits. Judged on its Q2 2026 call report, Citizens Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2414 S 2nd St, Marshalltown, IA 50158
- County
- Marshall
- Metro Area
- Marshalltown, IA
- 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 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1907
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 14
- Domestic deposits
- $64.6M
- Allowance for credit losses
- $467K
- Net charge-offs (YTD)
- $0
- Average total assets
- $80.6M
- Average total loans
- $49.8M
- Average interest-bearing deposits
- $43.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 3, 1934
- FDIC Cert
- 14785
- Fed RSSD
- 474544
- Website
- www.citizenssavingsbank.com →
- Parent Holding Company
- GILMAN INVESTMENT CO. (RSSD 1202913)
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 Savings 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 Savings Bank's total assets ranged from $70.6M (Q1 2024) to $78.6M (Q2 2025), 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
$77.9M total assets against $78.6M; $69.9M total liabilities against $71.2M.
$49.3M net loans and leases against $48.0M; $64.6M total deposits against $65.9M.
$1.3M securities against $6.3M; $24.9M cash and balances due against $21.9M.
$980K total interest income against $961K; $221K total interest expense against $232K.
$759K net interest income against $729K.
-$39K total noninterest income against $27K; $552K total noninterest expense against $456K.
$16K provision for credit losses against $0.
$149K net income against $293K.
0.74% return on assets against 1.50%; 3.91% net interest margin against 3.87%.
9.90% tier 1 leverage ratio against 9.52%.
Inside the full Citizens Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.74% (Q2 2026) to 1.54% (Q3 2025) and its net interest margin ran from 3.74% (Q4 2024) to 4.03% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.90% | 0.74% | 0.00% | 0.00% | 3.91% |
| Q1 2026 | 10.46% | 1.39% | 0.00% | 0.00% | 4.03% |
| Q4 2025 | 9.98% | 0.90% | 0.00% | 0.00% | 3.94% |
| Q3 2025 | 9.76% | 1.54% | 0.00% | 0.00% | 3.98% |
| Q2 2025 | 9.52% | 1.50% | 0.00% | 0.00% | 3.87% |
| Q1 2025 | 9.37% | 1.37% | 0.00% | 0.00% | 3.76% |
| Q4 2024 | 9.46% | 0.89% | 0.00% | 0.00% | 3.74% |
| Q3 2024 | 9.57% | 1.45% | 0.00% | 0.00% | 3.91% |
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 |
|---|---|---|---|
| Gilman Branch | Gilman , IA | 50106 | $31.2M |
| Citizens Savings Bank (main office) | Marshalltown , IA | 50158 | $23.6M |
| Le Grand Branch | Le Grand , IA | 50142 | $9.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IA, rank 231 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Savings Bank
What are Citizens Savings Bank's total assets?
As of the Q2 2026 filing, Citizens Savings Bank reported total assets of $77.9 million in its FFIEC call report.
Where is Citizens Savings Bank headquartered?
It is headquartered in Marshalltown, IA, United States.
When was Citizens Savings Bank founded?
It was established in 1907, per the FDIC institution directory.
Is Citizens Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14785). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Savings Bank?
Citizens Savings Bank's primary federal regulator is the FDIC.
How many branches does Citizens Savings 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 Savings Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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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