Branch Network
Citizens State Bank Locations & Branches Sheldon, Iowa
BankRegReports is independent of Citizens State Bank and never asks for online banking logins or passwords.
Citizens State Bank operates 2 branches from its headquarters in Sheldon, IA, .
Citizens State Bank branch network
Both branches are in IOWA, across 2 cities. Its largest office by deposits is its main office in Sheldon, IA, with $141.5M (85.2% of its branch deposits). It had the same number of branches on June 30, 2025.
Citizens State Bank at a glance
It reports no CET1 ratio; its Tier 1 leverage ratio was 12.45% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Total assets, Q2 2026
- $194.7M
- Tier 1 leverage ratio, Q2 2026
- 12.45%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1961
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: Sheldon, IA (1 branch) | 1 of 4 | 35.1% | $141.5M |
| State: IA (2 branches) | 160 of 261 | 0.1% | $166.1M |
Ranked by total assets among banks headquartered in the state: Largest banks in Iowa.
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 |
|---|---|---|---|---|
| O'brien, IA (1 branch) | 3 of 9 | 13.9% | $141.5M | $1.02B |
| Sioux, IA (1 branch) | 9 of 9 | 0.8% | $24.7M | $2.93B |
Metro area share: not on file. None of this bank's branches sit in a metropolitan or micropolitan area in the FDIC branch directory.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Citizens State Bank (main office) | Sheldon, IA | 51201 | $141.5M |
| Boyden Branch | Boyden, IA | 51234 | $24.7M |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 18356) · FFIEC NIC profile (RSSD 413543)