Citizens State Bank (Wyoming, IA)
BankRegReports is independent of Citizens State Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Citizens State Bank is an FDIC-insured commercial bank headquartered in Wyoming, IA, established in 1913 (FDIC certificate 11759), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $137.7M, up 8.6% from Q2 2025, the 174th largest of 225 banks headquartered in Iowa. It reports no CET1 ratio; its Tier 1 leverage ratio was 17.93% 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
- 11759
- Headquarters
- Wyoming, IA
- Established
- 1913
- Total assets, Q2 2026
- $137.7M
- Assets vs Q2 2025
- +8.6%
- Tier 1 leverage ratio, Q2 2026
- 17.93%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 073907952
- Latest call report
- Q2 2026, FFIEC 051 · Citizens State Bank call report
- Holding company
- C.S.B. HOLDING CORPORATION
- Asset rank in state
- 174th of 225 in Iowa
Citizens State Bank carries far more capital than most banks of its size. Based in Wyoming, Iowa, it had $138 million in assets at June 30, 2026, up 8.6% from a year earlier. It funds 17.93% of its assets with Tier 1 capital, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also holds commercial real estate loans equal to only 19% of its capital, a small fraction of the median of 1.2 times for banks its size.
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.25% of loans from 2.82%. Loans and deposits moved in opposite directions: over the year loans fell 0.0% and deposits rose 9.1%.
As of June 30, 2026, Citizens State Bank reported a return on assets of 1.68%, a nonperforming-loan ratio of 0.25% and a Texas ratio of 0.87%. The figures come from its call report filed with the FFIEC.
Citizens State Bank ranks as the 174th largest of the 225 banks based in Iowa, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.7% to $137.7M, loans rose 6.3% and deposits rose 0.5%. Its loan book on June 30, 2026 was led by agricultural production loans, at 43.2% of total loans, followed by farmland and other real estate loans at 22.7%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in IA; its Wyoming office books 55% of its branch deposits. By the capital ratios in its Q2 2026 call report, Citizens State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 114 W Main St, Wyoming, IA 52362
- 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
- January 1, 1913
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 19
- Domestic deposits
- $112.0M
- Allowance for credit losses
- $564K
- Net charge-offs (YTD)
- $50K
- Average total assets
- $140.6M
- Average total loans
- $74.3M
- Average interest-bearing deposits
- $92.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11759
- Fed RSSD
- 212344
- Website
- http://www.csbwyoming.com →
- Parent Holding Company
- C.S.B. HOLDING CORPORATION (RSSD 1210301)
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 State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Citizens State Bank's total assets ran between $115.6M (Q3 2023) and $137.7M (Q2 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
$137.7M total assets against $126.9M; $115.4M total liabilities against $105.9M.
$76.9M net loans and leases against $76.9M; $112.0M total deposits against $102.6M.
$48.9M securities against $37.8M; $6.1M cash and balances due against $6.2M.
$1.8M total interest income against $1.7M; $559K total interest expense against $536K.
$1.2M net interest income against $1.2M.
$56K total noninterest income against $52K; $687K total noninterest expense against $682K.
$30K provision for credit losses against $23K.
$591K net income against $486K.
1.68% return on assets against 1.47%; 3.82% net interest margin against 3.80%.
17.93% tier 1 leverage ratio against 18.39%.
Inside the full Citizens State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCitizens State Bank rankings
Its closest position to the top of a national ranking is 936 of 3,611, for ROA; its furthest is 3,389 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.93% (Q4 2024) to 1.68% (Q2 2026) and its net interest margin ran from 3.51% (Q4 2024) to 3.96% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.93% | 1.68% | 0.25% | 0.87% | 3.82% |
| Q1 2026 | 17.77% | 1.11% | 0.37% | 1.23% | 3.58% |
| Q4 2025 | 18.83% | 1.12% | 0.08% | 0.26% | 3.78% |
| Q3 2025 | 19.22% | 1.58% | 2.79% | 9.57% | 3.96% |
| Q2 2025 | 18.39% | 1.47% | 2.82% | 10.47% | 3.80% |
| Q1 2025 | 18.24% | 1.23% | 3.19% | 11.68% | 3.58% |
| Q4 2024 | 19.05% | 0.93% | 0.71% | 2.73% | 3.51% |
| Q3 2024 | 19.40% | 1.32% | 0.25% | 0.87% | 3.56% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 State Bank (main office) | Wyoming , IA | 52362 | $61.4M |
| Maquoketa Branch | Maquoketa , IA | 52060 | $21.8M |
| Olin Branch | Olin , IA | 52320 | $20.1M |
| Oxford Junction Branch | Oxford Junction , IA | 52323 | $8.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IA, rank 195 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $170K approved, $170K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (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
Add this badge to your website
Free to use. It shows Citizens State Bank’s latest filed figures and updates each quarter.
Similar banks
Compare Citizens State Bank with peers
Frequently asked about Citizens State Bank
What are Citizens State Bank's total assets?
As of the Q2 2026 filing, Citizens State Bank reported total assets of $137.7 million in its FFIEC call report.
Where is Citizens State Bank headquartered?
It is headquartered in Wyoming, IA, United States.
When was Citizens State Bank founded?
It was established in 1913, per the FDIC institution directory.
Is Citizens State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11759). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens State Bank?
Citizens State Bank's primary federal regulator is the FDIC.
How many branches does Citizens State Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens State Bank's Texas Ratio?
Its Texas Ratio is 0.87% 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.
Go deeper on Citizens State Bank.
Get an email when Citizens State Bank files its next call report, and benchmark it against any peer you choose.
Unlock Citizens State Bank, freeFree account