Citizens State Bank (Carleton, NE)
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Data as of · sourced from FFIEC call reports. How we update
Citizens State Bank is an FDIC-insured commercial bank headquartered in Carleton, NE, established in 1890 (FDIC certificate 18724), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $35.6M, up 8.3% from Q2 2025, the 135th largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.43% 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
- 18724
- Headquarters
- Carleton, NE
- Established
- 1890
- Total assets, Q2 2026
- $35.6M
- Assets vs Q2 2025
- +8.3%
- Tier 1 leverage ratio, Q2 2026
- 11.43%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 104106761
- Latest call report
- Q2 2026, FFIEC 051 · Citizens State Bank call report
- Holding company
- CARLETON AGENCY, INC.
- Asset rank in state
- 135th of 138 in Nebraska
Citizens State Bank pays more for its money than most banks of its size. It reported $36 million in assets at June 30, 2026, up 8.3% from a year earlier. It pays an average of 3.00% on its deposits and borrowings, about double the median of 1.53% for the 583 banks with less than $100 million in assets. On the other hand, it carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 1.4%).
Earnings jumped: net income for the quarter was $127,000, 63% above the same quarter a year earlier. 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 0.00% of loans from 0.99%.
As of June 30, 2026, Citizens State Bank reported a return on assets of 1.46%, 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 State Bank is the 135th largest of the 138 banks headquartered in Nebraska. From Q1 2026 to Q2 2026, its total assets rose 7.1% to $35.6M, loans rose 5.7% and deposits rose 3.0%. The largest part of its loan book on June 30, 2026 was agricultural production loans, at 49.0% of total loans, ahead of farmland and other real estate loans at 34.4%. Its one office in the FDIC Summary of Deposits is in Carleton, NE. Judged on its Q2 2026 call report, Citizens State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 209 3rd St, Carleton, NE 68326
- County
- Thayer
- 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 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 1, 1890
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 5
- Domestic deposits
- $27.8M
- Allowance for credit losses
- $227K
- Net charge-offs (YTD)
- $0
- Average total assets
- $34.8M
- Average total loans
- $30.7M
- Average interest-bearing deposits
- $23.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 14, 1963
- FDIC Cert
- 18724
- Fed RSSD
- 235558
- Website
- www.carletonbank.com →
- Parent Holding Company
- CARLETON AGENCY, INC. (RSSD 1052949)
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 $29.5M (Q3 2023) and $36.1M (Q4 2025), 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
$35.6M total assets against $32.8M; $31.6M total liabilities against $29.2M.
$31.1M net loans and leases against $28.4M; $27.8M total deposits against $25.5M.
$0 securities against $0; $3.1M cash and balances due against $3.3M.
$595K total interest income against $531K; $200K total interest expense against $201K.
$395K net interest income against $330K.
$20K total noninterest income against $15K; $259K total noninterest expense against $240K.
$9K provision for credit losses against $4K.
$127K net income against $78K.
1.46% return on assets against 0.97%; 4.72% net interest margin against 4.28%.
11.43% tier 1 leverage ratio against 11.20%.
Inside the full Citizens State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Citizens State Bank rankings
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.20% (Q3 2025) to 1.57% (Q1 2026) and its net interest margin ran from 3.98% (Q3 2024) to 4.72% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.43% | 1.46% | 0.00% | 0.00% | 4.72% |
| Q1 2026 | 11.29% | 1.57% | 0.00% | 0.00% | 4.71% |
| Q4 2025 | 10.49% | 1.17% | 0.00% | 0.00% | 4.27% |
| Q3 2025 | 10.52% | 0.20% | 0.00% | 0.00% | 4.67% |
| Q2 2025 | 11.20% | 0.97% | 0.99% | 7.48% | 4.28% |
| Q1 2025 | 11.44% | 1.33% | 0.00% | 0.00% | 4.30% |
| Q4 2024 | 10.57% | 0.52% | 0.00% | 0.00% | 3.98% |
| Q3 2024 | 10.52% | 1.24% | 0.00% | 0.00% | 3.98% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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) | Carleton , NE | 68326 | $27.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NE, rank 152 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, 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 State Bank
What are Citizens State Bank's total assets?
As of the Q2 2026 filing, Citizens State Bank reported total assets of $35.6 million in its FFIEC call report.
Where is Citizens State Bank headquartered?
It is headquartered in Carleton, NE, United States.
When was Citizens State Bank founded?
It was established in 1890, per the FDIC institution directory.
Is Citizens State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18724). 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 1 domestic office, 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 0.00% 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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