Bank routing number ยท Royal Oak, Michigan
Citizens State Bank Routing Number (ABA): 072414501
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The Citizens State Bank routing number is 072414501. It is the primary ABA routing transit number on the bank's FFIEC National Information Center record, refreshed here on October 27, 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
- Domestic offices
- 3 FDIC institution directory, current count
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1910
Full financial profile · Is Citizens State Bank safe? · Citizens State Bank call report · Branch locations
Citizens State Bank routing numbers on file
| Routing number | Type | Status | Source |
|---|---|---|---|
| 072414501 | Primary ABA | Active | FFIEC NIC |
Record refreshed here on October 27, 2026. NIC holds one primary number per bank; Citizens State Bank publishes any other numbers it uses itself.
What the digits mean
The first two digits, 07, place this number in the Federal Reserve Bank of Chicago's district (District 7). Digits five through eight, 1450, identify the institution within that district. The last digit, 1, is a check digit, and the number passes the standard check: weight the nine digits 3, 7, 1, 3, 7, 1, 3, 7, 1 and the sum is a multiple of 10.
Before you send money to Citizens State Bank
A routing number tells the payment network which financial institution holds an account. You give it with an account number for ACH transfers through the automated clearing house, such as direct deposit, bill pay and transfers from a checking account, which usually settle in one to two business days. An international wire to a US account normally needs the bank's SWIFT code as well.
Match this number against the one on your Citizens State Bank checks or in its online banking. Ask the bank for wire instructions (www.micsb.com). Our record does not show whether this number receives wires. The Federal Reserve's E-Payments Routing Directory shows it: its Fedwire participant search lists the numbers that can receive Fedwire transfers, and its FedACH search lists those that receive ACH payments. How to confirm any routing number.
About Citizens State Bank
Citizens State Bank is headquartered in Royal Oak, Michigan and was established in 1910. It is in the DETROIT-WARREN-DEARBORN, MI metro area. It reported $581.0M in total assets and $530.5M in deposits for Q2 2026, the 28th largest of the 72 banks headquartered in Michigan. It reports 3 domestic offices. Its deposits have been FDIC insured since 1934. Its primary federal regulator is the Federal Reserve. One other bank or credit union headquartered in Royal Oak has a routing number listed here.
What the digits in 072414501 mean
The first four digits, 0724, are the Federal Reserve routing symbol. The prefix 07 places the number in the 7th Federal Reserve District (Chicago). That is also the district where the bank is headquartered. Digits five through eight, 1450, identify the institution within its Federal Reserve district. The last digit, 1, is a check digit. Weighting the digits 3, 7 and 1 in turn gives 3 x 9 + 7 x 8 + 7 = 90, a multiple of 10, so 072414501 is a well-formed routing number. A mistyped digit almost always breaks that sum.
What is the Citizens State Bank routing number?
The Citizens State Bank routing number is 072414501. It is the primary ABA routing transit number registered to Citizens State Bank, headquartered in Royal Oak, MI. The number comes from the FFIEC National Information Center institution record, last refreshed here on October 27, 2026.
What is the Citizens State Bank wire routing number?
This page lists the primary routing number registered to Citizens State Bank. The record does not say whether the bank uses the same number for wire transfers. Confirm the wire routing number with Citizens State Bank before sending a wire.
Is ABA number 072414501 the routing number for Citizens State Bank?
Yes. It is the primary routing number registered to Citizens State Bank.
Which bank uses routing number 072414501?
It belongs to Citizens State Bank, headquartered in Royal Oak, MI. It is the bank's primary ABA routing number (FDIC certificate 8183).
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Regulator records: FDIC BankFind (cert 8183) · FFIEC NIC profile (RSSD 356752)