Citizens Savings Bank (Clarks Summit, PA)
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Data as of · sourced from FFIEC call reports. How we update
Citizens Savings Bank is an FDIC-insured savings institution headquartered in Clarks Summit, PA, established in 1902 (FDIC certificate 31184), and it is supervised by the OCC. At Q2 2026 it reported total assets of $359.0M, up 1.5% from Q2 2025, the 80th largest of 109 banks headquartered in Pennsylvania. Its CET1 capital ratio was 29.63% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 31184
- Headquarters
- Clarks Summit, PA
- Established
- 1902
- Total assets, Q2 2026
- $359.0M
- Assets vs Q2 2025
- +1.5%
- CET1 ratio, Q2 2026
- 29.63%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 231375151
- Latest call report
- Q2 2026, FFIEC 041 · Citizens Savings Bank call report
- Asset rank in state
- 80th of 109 in Pennsylvania
Citizens Savings Bank spends more to run itself than most banks of its size. Based in Clarks Summit, Pennsylvania, it had $359 million in assets at June 30, 2026, up 1.5% from a year earlier. It earns about $0.32 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 86 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Earnings fell sharply: quarterly net income of $291,000 was 37% below a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.27% of loans, down from 0.45% a year earlier. Its margin is thin by comparison: it keeps 2.59 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
As of June 30, 2026, Citizens Savings Bank reported a CET1 capital ratio of 29.63%, a return on assets of 0.32%, a nonperforming-loan ratio of 0.27% and a Texas ratio of 1.48%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Pennsylvania, Citizens Savings Bank is the 80th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets were flat, loans rose 2.6% and deposits fell 0.1%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 99.8% of total loans, followed by construction and land development loans at 0.2%. The FDIC Summary of Deposits lists 6 offices for it, in 5 cities in PA; its Scranton 2 offices book 41% of its branch deposits. Judged on its Q2 2026 call report, Citizens Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 500 S State St, Clarks Summit, PA 18411
- County
- Lackawanna
- Metro Area
- Scranton--Wilkes-Barre, PA
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1902
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 56
- Domestic deposits
- $304.0M
- Allowance for credit losses
- $1.0M
- Net charge-offs (YTD)
- $6K
- Average total assets
- $359.3M
- Average total loans
- $295.5M
- Average interest-bearing deposits
- $274.9M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 31184
- Fed RSSD
- 828473
- Website
- citizens-savings.com →
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
Citizens Savings Bank's total assets moved between a low of $348.7M (Q3 2025) and a high of $373.5M (Q4 2023) from Q3 2023 to Q2 2026, and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$359.0M total assets against $353.7M; $305.2M total liabilities against $301.2M.
$298.2M net loans and leases against $292.9M; $304.0M total deposits against $299.8M.
$37.8M securities against $35.5M; $6.5M cash and balances due against $8.8M.
$3.5M total interest income against $3.4M; $1.3M total interest expense against $1.2M.
$2.2M net interest income against $2.2M.
$338K total noninterest income against $296K; $2.2M total noninterest expense against $1.9M.
-$1K provision for credit losses against -$27K.
$291K net income against $462K.
0.32% return on assets against 0.52%; 2.59% net interest margin against 2.58%.
29.63% CET1 capital ratio against 30.06%; 15.12% tier 1 leverage ratio against 15.15%.
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 85 of 2,134, for CET1 ratio; its furthest is 3,393 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.08% (Q3 2024) to 0.68% (Q4 2024) and its net interest margin ran from 2.10% (Q4 2024) to 2.59% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 29.63% | 0.32% | 0.27% | 1.48% | 2.59% |
| Q1 2026 | 30.11% | 0.16% | 0.26% | 1.37% | 2.57% |
| Q4 2025 | 30.39% | 0.27% | 0.23% | 1.23% | 2.51% |
| Q3 2025 | 30.33% | 0.12% | 0.28% | 1.50% | 2.51% |
| Q2 2025 | 30.06% | 0.52% | 0.45% | 2.46% | 2.58% |
| Q1 2025 | 29.78% | 0.09% | 0.22% | 1.23% | 2.45% |
| Q4 2024 | 29.46% | 0.68% | 0.17% | 0.96% | 2.10% |
| Q3 2024 | 29.32% | 0.08% | 0.28% | 1.61% | 2.19% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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) | Clarks Summit , PA | 18411 | $85.7M |
| Southside Branch | Scranton , PA | 18505 | $80.5M |
| West Side Branch | Scranton , PA | 18504 | $43.6M |
| Taylor Branch | Taylor , PA | 18517 | $36.4M |
| Mount Pocono Branch | Mount Pocono , PA | 18344 | $33.5M |
| Honesdale Branch | Honesdale , PA | 18431 | $24.3M |
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 |
|---|---|---|---|
| October 31, 1984 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1984 | Structure Change | Acquired Sayre Savings & Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 1984 | Structure Change | Acquired Athens Building, Loan and Savings Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 2, 1983 | Structure Change | Acquired Fairview Savings & Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 1982 | Structure Change | Acquired Keystone Savings & Loan Association of Wilkes-Barre Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 1, 1980 | Structure Change | Acquired Northeast Savings & Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC (former OTS)); 1 against individuals associated with it
- July 17, 1990, OCC (former OTS): Cease and Desist: Citizens Savings Association
- Period: Most recent institution action July 17, 1990. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in PA, rank 99 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- 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 $359.0 million in its FFIEC call report.
Where is Citizens Savings Bank headquartered?
It is headquartered in Clarks Summit, PA, United States.
When was Citizens Savings Bank founded?
It was established in 1902, per the FDIC institution directory.
Is Citizens Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #31184). 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 OCC.
What is Citizens Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 29.63% 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 6 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 1.48% 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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