Citizens Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 1819.12 percentage points higher than in Q1 2026, at 3638.24%. Citizens Savings Bank has the 14th lowest return on assets of the 225 banks headquartered in Iowa, at 0.60% as of Q2 2026. Citizens Savings Bank's return on assets of 0.60% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.65 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 15.54% |
| Equity capital to assets | 10.70% |
| Tangible equity to tangible assets | 10.70% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.05% |
| Non-performing assets ratio | 0.02% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.20% |
| Allowance for credit losses to loans | 1.80% |
| Reserve coverage of non-performing loans | 3638.24% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.60% |
| Return on equity | 6.15% |
| Net interest margin | 2.27% |
| Efficiency ratio | 56.27% |
| Yield on earning assets | 4.52% |
| Cost of funds | 2.63% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 53.06% |
| Core deposits to total deposits | 80.09% |
| Brokered deposits to total deposits | 0.77% |
| Deposits to assets | 85.52% |
| Securities to assets | 43.43% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 15.96% | 0.33% | 1.78% | 0.06% | 0.00% |
| Q4 2023 | 15.69% | -0.30% | 1.16% | 0.05% | -0.01% |
| Q1 2024 | 15.70% | 0.30% | 1.67% | 0.05% | 0.00% |
| Q2 2024 | 15.42% | 0.26% | 1.62% | 0.04% | 0.00% |
| Q3 2024 | 15.37% | 0.18% | 1.51% | 0.04% | 0.00% |
| Q4 2024 | 15.42% | 0.11% | 1.66% | 0.04% | -0.07% |
| Q1 2025 | 15.51% | 0.33% | 1.82% | 0.04% | 0.00% |
| Q2 2025 | 15.61% | 0.39% | 1.92% | 0.04% | 0.00% |
| Q3 2025 | 15.63% | 0.53% | 2.13% | 0.03% | 0.00% |
| Q4 2025 | 15.55% | 0.40% | 2.07% | 0.11% | 0.22% |
| Q1 2026 | 15.48% | 0.66% | 2.29% | 0.10% | 0.00% |
| Q2 2026 | 15.54% | 0.60% | 2.27% | 0.05% | 0.00% |
Citizens Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Citizens Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12128) · FFIEC NIC profile (RSSD 544447)