Branch Network
Citizens State Bank Locations & Branches Royal Oak, Michigan
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Citizens State Bank operates 3 branches from its headquarters in Royal Oak, MI, .
Citizens State Bank branch network
All 3 branches are in MICHIGAN, across 3 cities. Its largest office by deposits is its main office in Royal Oak, MI, with $412.9M (77.8% of its branch deposits). On June 30, 2025 it had 2 branches, 1 fewer than in 2026.
Citizens State Bank at a glance
It reports no CET1 ratio; its Tier 1 leverage ratio was 8.58% at Q2 2026, not above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Total assets, Q2 2026
- $581.0M
- Tier 1 leverage ratio, Q2 2026
- 8.58%
- Deposit insurance
- FDIC
- Regulator
- Federal Reserve
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1910
Full financial profile · Is Citizens State Bank safe? · Citizens State Bank call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Royal Oak, MI (1 branch) | 1 of 6 | 31.1% | $412.9M |
| State: MI (3 branches) | 38 of 95 | 0.2% | $530.5M |
Ranked by total assets among banks headquartered in the state: Largest banks in Michigan.
Share by county and metro area
Citizens State Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Oakland, MI (2 branches) | 12 of 29 | 0.6% | $463.7M | $74.48B |
| Ontonagon, MI (1 branch) | 1 of 2 | 76.4% | $66.8M | $87.4M |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Detroit-Warren-Dearborn, MI (2 branches) | 16 of 37 | 0.3% | $463.7M | $178.42B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Citizens State Bank (main office) | Royal Oak, MI | 48073 | $412.9M |
| Ontonagon Branch | Ontonagon, MI | 49953 | $66.8M |
| Farmington Hills Branch | Farmington Hills, MI | 48334 | $50.8M |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 8183) · FFIEC NIC profile (RSSD 356752)