Citizens Savings Bank (Spillville, IA)
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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 Spillville, IA, established in 1908 (FDIC certificate 12128), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $151.1M, up 11.0% from Q2 2025, the 163rd largest of 225 banks headquartered in Iowa. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.54% 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
- 12128
- Headquarters
- Spillville, IA
- Established
- 1908
- Total assets, Q2 2026
- $151.1M
- Assets vs Q2 2025
- +11.0%
- Tier 1 leverage ratio, Q2 2026
- 15.54%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 073915915
- Latest call report
- Q2 2026, FFIEC 051 · Citizens Savings Bank call report
- Asset rank in state
- 163rd of 225 in Iowa
Citizens Savings Bank, based in Spillville, Iowa, reported $151 million in assets at June 30, 2026, up 11.0% from a year earlier. It keeps 2.27 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). On the other hand, it funds 15.54% of its assets with Tier 1 capital, higher than about three-quarters of banks its size (median 10.99%).
Earnings jumped: net income for the quarter was $236,000, 58% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $11 million equal 46% of Tier 1 capital, down from 66% a year earlier. Funding is the softer spot: it pays an average of 2.63% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Citizens Savings Bank reported a return on assets of 0.60%, a nonperforming-loan ratio of 0.05% and a Texas ratio of 0.20%. The figures come from its call report filed with the FFIEC.
Of the 225 banks headquartered in Iowa, Citizens Savings Bank is the 163rd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 2.4% to $151.1M, loans rose 3.1% and deposits rose 1.5%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 55.2% of total loans, ahead of agricultural production loans at 22.8%. Its 3 offices in the FDIC Summary of Deposits are in Spillville, IA, Fort Atkinson, IA and Protivin, IA; its Spillville office books 45% of its branch deposits. On its Q2 2026 call report, Citizens Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 101 Church St, Spillville, IA 52168
- County
- Winneshiek
- 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
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- January 1, 1908
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 12
- Domestic deposits
- $129.2M
- Allowance for credit losses
- $1.2M
- Net charge-offs (YTD)
- $0
- Average total assets
- $157.8M
- Average total loans
- $67.4M
- Average interest-bearing deposits
- $113.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12128
- Fed RSSD
- 544447
- Website
- www.bankingwithcsb.com →
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
Citizens Savings Bank's total assets moved between a low of $127.7M (Q3 2023) and a high of $151.1M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$151.1M total assets against $136.1M; $134.9M total liabilities against $124.0M.
$67.3M net loans and leases against $62.2M; $129.2M total deposits against $117.5M.
$65.6M securities against $64.9M; $12.2M cash and balances due against $2.2M.
$1.7M total interest income against $1.5M; $867K total interest expense against $872K.
$798K net interest income against $648K.
$20K total noninterest income against $23K; $523K total noninterest expense against $481K.
$0 provision for credit losses against $0.
$236K net income against $149K.
0.60% return on assets against 0.39%; 2.27% net interest margin against 1.92%.
15.54% tier 1 leverage ratio against 15.61%.
Inside the full Citizens Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCitizens Savings Bank rankings
Its closest position to the top of a national ranking is 1,396 of 3,606, for efficiency ratio; its furthest is 3,133 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.11% (Q4 2024) to 0.66% (Q1 2026) and its net interest margin ran from 1.51% (Q3 2024) to 2.29% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.54% | 0.60% | 0.05% | 0.20% | 2.27% |
| Q1 2026 | 15.48% | 0.66% | 0.18% | 0.75% | 2.29% |
| Q4 2025 | 15.55% | 0.40% | 0.11% | 0.43% | 2.07% |
| Q3 2025 | 15.63% | 0.53% | 0.69% | 3.05% | 2.13% |
| Q2 2025 | 15.61% | 0.39% | 0.22% | 1.06% | 1.92% |
| Q1 2025 | 15.51% | 0.33% | 0.04% | 0.19% | 1.82% |
| Q4 2024 | 15.42% | 0.11% | 0.04% | 0.18% | 1.66% |
| Q3 2024 | 15.37% | 0.18% | 0.32% | 0.27% | 1.51% |
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 Savings Bank (main office) | Spillville , IA | 52168 | $58.6M |
| Fort Atkinson Branch | Fort Atkinson , IA | 52144 | $57.3M |
| Protivin Branch | Protivin , IA | 52163 | $13.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IA, rank 182 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $500K approved, $500K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 $151.1 million in its FFIEC call report.
Where is Citizens Savings Bank headquartered?
It is headquartered in Spillville, IA, United States.
When was Citizens Savings Bank founded?
It was established in 1908, per the FDIC institution directory.
Is Citizens Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12128). 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 0.20% 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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