Citizens Savings Bank (Anamosa, 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 Anamosa, IA, established in 1906 (FDIC certificate 10125), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $165.9M, up 6.9% from Q2 2025, the 158th largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 17.57% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10125
- Headquarters
- Anamosa, IA
- Established
- 1906
- Total assets, Q2 2026
- $165.9M
- Assets vs Q2 2025
- +6.9%
- CET1 ratio, Q2 2026
- 17.57%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 073903053
- Latest call report
- Q2 2026, FFIEC 051 · Citizens Savings Bank call report
- Holding company
- FIRST COMMUNITY BANCSHARES CORP.
- Asset rank in state
- 158th of 225 in Iowa
Citizens Savings Bank, based in Anamosa, Iowa, reported $166 million in assets at June 30, 2026, up 6.9% from a year earlier. 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 2,660 banks with $100 million to $1 billion in assets (median 2.6%). On the other hand, it keeps 3.07 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
Earnings jumped: net income for the quarter was $466,000, 37% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $1.6 million equal 10% of Tier 1 capital, down from 20% a year earlier. Where it has less room is capital: it funds 9.50% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Citizens Savings Bank reported a CET1 capital ratio of 17.57%, a return on assets of 1.11%, 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 158th largest of the 225 banks headquartered in Iowa. Between Q1 2026 and Q2 2026, its total assets fell 5.2% to $165.9M, loans fell 1.5% and deposits fell 5.1%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 37.8% of total loans, ahead of agricultural production loans at 19.1%. Its 2 offices in the FDIC Summary of Deposits are in Anamosa, IA and Tipton, IA; its Anamosa office books 77% of its branch deposits. By the capital ratios in its Q2 2026 call report, Citizens Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 215 E Main St, Anamosa, IA 52205
- County
- Jones
- Metro Area
- Cedar Rapids, 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
- November 8, 1906
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 21
- Domestic deposits
- $151.3M
- Allowance for credit losses
- $718K
- Net charge-offs (YTD)
- -$3K
- Average total assets
- $168.6M
- Average total loans
- $69.9M
- Average interest-bearing deposits
- $131.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10125
- Fed RSSD
- 758842
- Website
- www.citizensbankia.com →
- Parent Holding Company
- FIRST COMMUNITY BANCSHARES CORP. (RSSD 1990096)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Citizens Savings Bank's total assets ran between $150.6M (Q2 2024) and $175.0M (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
$165.9M total assets against $155.2M; $152.9M total liabilities against $143.9M.
$68.6M net loans and leases against $64.8M; $151.3M total deposits against $142.2M.
$82.5M securities against $77.8M; $9.9M cash and balances due against $7.9M.
$1.7M total interest income against $1.6M; $536K total interest expense against $582K.
$1.2M net interest income against $1.0M.
$82K total noninterest income against $77K; $798K total noninterest expense against $749K.
$0 provision for credit losses against $0.
$466K net income against $341K.
1.11% return on assets against 0.84%; 3.07% net interest margin against 2.75%.
17.57% CET1 capital ratio against 17.89%; 9.50% tier 1 leverage ratio against 9.61%.
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 523 of 2,134, for CET1 ratio; its furthest is 3,557 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.84% (Q2 2025) to 1.11% (Q2 2026) and its net interest margin ran from 2.74% (Q4 2024) to 3.07% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.57% | 1.11% | 0.00% | 0.00% | 3.07% |
| Q1 2026 | 17.33% | 0.93% | 0.00% | 0.00% | 3.05% |
| Q4 2025 | 17.09% | 0.91% | 0.00% | 0.00% | 3.04% |
| Q3 2025 | 16.30% | 0.99% | 0.00% | 0.00% | 2.96% |
| Q2 2025 | 17.89% | 0.84% | 0.00% | 0.00% | 2.75% |
| Q1 2025 | 17.78% | 0.84% | 0.00% | 0.00% | 2.81% |
| Q4 2024 | 17.83% | 0.85% | 0.00% | 0.00% | 2.74% |
| Q3 2024 | 18.59% | 0.86% | 0.00% | 0.00% | 2.85% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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) | Anamosa , IA | 52205 | $115.9M |
| Cedar Branch | Tipton , IA | 52772 | $35.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 16, 1998 | Structure Change | Acquired Lesernal Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 15, 1986 | Structure Change | Acquired First National Bank of Tipton Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| February 14, 1986 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in IA, rank 166 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 31 applications, 30 loans originated, $4.6M originated, across 1 states
- Period: Calendar year 2019. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $100K approved, $100K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2008 (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 Savings Bank
What are Citizens Savings Bank's total assets?
As of the Q2 2026 filing, Citizens Savings Bank reported total assets of $165.9 million in its FFIEC call report.
Where is Citizens Savings Bank headquartered?
It is headquartered in Anamosa, IA, United States.
When was Citizens Savings Bank founded?
It was established in 1906, per the FDIC institution directory.
Is Citizens Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10125). 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.
What is Citizens Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.57% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Citizens Savings Bank operate?
It operates 2 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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