Citizens State 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.
Reserve coverage of non-performing loans dropped 9811.54 percentage points in Q2 2026, from 14150.00% to 4338.46%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Citizens State Bank is 58th of 225 on return on assets, 1.68% as of Q2 2026, above the middle of the field. Citizens State Bank reported 1.68% on return on assets for Q2 2026, 0.43 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 17.93% |
| Equity capital to assets | 16.19% |
| Tangible equity to tangible assets | 15.80% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.02% |
| Non-performing assets ratio | 0.01% |
| Net charge-off ratio | 0.17% |
| Texas ratio | 0.87% |
| Allowance for credit losses to loans | 0.73% |
| Reserve coverage of non-performing loans | 4338.46% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.68% |
| Return on equity | 10.73% |
| Net interest margin | 3.82% |
| Efficiency ratio | 52.29% |
| Yield on earning assets | 5.52% |
| Cost of funds | 1.85% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.17% |
| Core deposits to total deposits | 85.79% |
| Brokered deposits to total deposits | 2.68% |
| Deposits to assets | 81.30% |
| Securities to assets | 35.50% |
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 | 20.36% | 1.40% | 3.28% | 0.12% | 0.02% |
| Q4 2023 | 19.62% | 1.03% | 3.40% | 0.12% | 0.19% |
| Q1 2024 | 19.40% | 1.42% | 3.41% | 0.11% | 0.03% |
| Q2 2024 | 19.88% | 0.91% | 3.59% | 0.11% | 0.23% |
| Q3 2024 | 19.40% | 1.32% | 3.56% | 0.11% | -0.02% |
| Q4 2024 | 19.05% | 0.93% | 3.51% | 0.01% | -0.02% |
| Q1 2025 | 18.24% | 1.23% | 3.58% | 0.01% | 0.01% |
| Q2 2025 | 18.39% | 1.47% | 3.80% | 0.01% | 0.20% |
| Q3 2025 | 19.22% | 1.58% | 3.96% | 0.00% | 0.40% |
| Q4 2025 | 18.83% | 1.12% | 3.78% | 0.01% | -0.01% |
| Q1 2026 | 17.77% | 1.11% | 3.58% | 0.01% | 0.10% |
| Q2 2026 | 17.93% | 1.68% | 3.82% | 0.02% | 0.17% |
Citizens State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11759) · FFIEC NIC profile (RSSD 212344)