Citizens State Bank (Wisner, 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 Wisner, NE, established in 1888 (FDIC certificate 5495), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $653.0M, up 8.5% from Q2 2025, the 29th largest of 138 banks headquartered in Nebraska. Its CET1 capital ratio was 12.02% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 5495
- Headquarters
- Wisner, NE
- Established
- 1888
- Total assets, Q2 2026
- $653.0M
- Assets vs Q2 2025
- +8.5%
- CET1 ratio, Q2 2026
- 12.02%
- Domestic offices
- 17 FDIC institution directory, current count
- Routing number
- 104902392
- Holding company
- CITIZENS NATIONAL CORPORATION
- Asset rank in state
- 29th of 138 in Nebraska
Citizens State Bank operates with a thinner capital cushion than most banks of its size. Its balance sheet stood at $653 million at June 30, 2026, up 8.5% from a year earlier; it is based in Wisner, Nebraska. It holds common equity equal to 12.02% of its risk-weighted assets, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 15.12%). It also pays an average of 2.43% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $17 million equal 25% of Tier 1 capital, down from 35% a year earlier.
As of June 30, 2026, Citizens State Bank reported a CET1 capital ratio of 12.02%, a return on assets of 1.20%, a nonperforming-loan ratio of 0.20% and a Texas ratio of 3.12%. The figures come from its call report filed with the FFIEC.
Citizens State Bank ranks as the 29th largest of the 138 banks based in Nebraska, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.1% to $653.0M, loans rose 1.1% and deposits fell 0.9%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 37.0% of total loans, ahead of agricultural production loans at 33.0%. The FDIC Summary of Deposits lists 17 offices for it, in 9 cities in NE; its Wisner 2 offices book 21% of its branch deposits. Judged on its Q2 2026 call report, Citizens State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 921 Avenue E, Wisner, NE 68791
- County
- Cuming
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 19, 1888
- Former names
- Citizens National Bank (2006-2009)
- Domestic offices
- 17 FDIC institution directory, current count
- Employees (FTE)
- 80
- Domestic deposits
- $592.2M
- Allowance for credit losses
- $7.3M
- Net charge-offs (YTD)
- $35K
- Average total assets
- $673.6M
- Average total loans
- $508.6M
- Average interest-bearing deposits
- $540.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5495
- Fed RSSD
- 482053
- Website
- www.citstatebank.com →
- Parent Holding Company
- CITIZENS NATIONAL CORPORATION (RSSD 1056415)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Citizens State Bank's total assets moved between a low of $530.0M (Q3 2023) and a high of $653.5M (Q1 2026) from Q3 2023 to Q2 2026, 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
$653.0M total assets against $601.6M; $595.2M total liabilities against $551.8M.
$499.7M net loans and leases against $451.0M; $592.2M total deposits against $546.7M.
$112.7M securities against $113.7M; $12.7M cash and balances due against $7.4M.
$9.1M total interest income against $8.7M; $3.6M total interest expense against $3.7M.
$5.5M net interest income against $5.0M.
$412K total noninterest income against $335K; $4.0M total noninterest expense against $3.5M.
No provision recorded in the last 12 quarters.
$2.0M net income against $1.8M.
1.20% return on assets against 1.17%; 3.52% net interest margin against 3.49%.
12.02% CET1 capital ratio against 12.21%; 10.07% tier 1 leverage ratio against 10.15%.
Inside the full Citizens State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCitizens State Bank rankings
Its closest position to the top of a national ranking is 1,440 of 4,196, for total assets; its furthest is 1,703 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.96% (Q4 2024) to 1.22% (Q4 2025) and its net interest margin ran from 3.18% (Q1 2025) to 3.55% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.02% | 1.20% | 0.20% | 3.12% | 3.52% |
| Q1 2026 | 11.89% | 1.18% | 0.15% | 2.83% | 3.43% |
| Q4 2025 | 11.87% | 1.22% | 0.16% | 2.83% | 3.52% |
| Q3 2025 | 12.31% | 1.21% | 0.20% | 3.16% | 3.55% |
| Q2 2025 | 12.21% | 1.17% | 0.19% | 3.30% | 3.49% |
| Q1 2025 | 12.07% | 1.02% | 0.33% | 4.40% | 3.18% |
| Q4 2024 | 11.83% | 0.96% | 0.15% | 2.88% | 3.37% |
| Q3 2024 | 12.60% | 1.04% | 0.00% | 1.65% | 3.35% |
Swipe the table sideways to see every column.
Branch Network
View all 17 branches → 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) | Wisner , NE | 68791 | $123.6M |
| Papillion Branch | Papillion , NE | 68046 | $69.3M |
| Friend Branch | Friend , NE | 68359 | $66.4M |
| Plattsmouth West Branch | Plattsmouth , NE | 68048 | $66.0M |
| Leigh Branch | Leigh , NE | 68643 | $61.3M |
| Laurel Branch | Laurel , NE | 68745 | $61.1M |
| Spalding Branch | Spalding , NE | 68665 | $45.2M |
| West Point Office Branch | West Point , NE | 68788 | $44.3M |
| Newman Grove Branch | Newman Grove , NE | 68758 | $39.7M |
| Downtown Branch | Plattsmouth , NE | 68048 | $15.5M |
| Plattsmouth Mobile Branch | Plattsmouth , NE | 68048 | $0 |
| Newman Grove Mobile Branch | Newman Grove , NE | 68758 | $0 |
| Laurel Mobile Branch | Laurel , NE | 68745 | $0 |
| Leigh Mobile Branch | Leigh , NE | 68643 | $0 |
| Friend Mobile Branch | Friend , NE | 68359 | $0 |
| Wisner Mobile Branch | Wisner , NE | 68791 | $0 |
| Spalding Mobile Branch | Spalding , NE | 68665 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2022 | Structure Change | Acquired Bank of Newman Grove Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 12, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 12, 2019 | Structure Change | Acquired Cass County Bank, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 4, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 4, 2011 | Structure Change | Acquired The First National Bank of Friend Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 16, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 16, 2010 | Structure Change | Acquired Citizens National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 25, 2008 | Structure Change | Acquired Spalding City Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 3, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 26, 2006 | Structure Change | Acquired Bank of Leigh Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 25, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 12 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.6% of deposits in NE, rank 30 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 74 applications, 58 loans originated, $11.5M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $580K approved, $193K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 $653.0 million in its FFIEC call report.
Where is Citizens State Bank headquartered?
It is headquartered in Wisner, NE, United States.
When was Citizens State Bank founded?
It was established in 1888, per the FDIC institution directory.
Is Citizens State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5495). 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 Federal Reserve.
What is Citizens State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.02% in its Q2 2026 call report, above regulatory requirements.
How many branches does Citizens State Bank operate?
It operates 17 domestic offices, 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 3.12% 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.
What was Citizens State Bank previously called?
The charter now named Citizens State Bank has also operated as Citizens National Bank (2006-2009), per FDIC structure-change records.
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