Citizens State Bank: Return on Assets
Data as of · sourced from FFIEC call reports. How we update
Citizens State Bank reported a return on assets of 1.42% as of Q2 2026, ranking #1,496 of 3,613 U.S. banks (59th percentile). That is up 0.09 percentage points from 1.33% a year earlier, and above the 1.30% median of the 733 Midsize Community Banks ($500M–$1B in assets). Return on Assets (ROA) measures net income divided by average total assets, the single most-watched US banking profitability metric.
12-Quarter Trend
National Context
What is the Return on Assets?
Return on assets (ROA) is a bank's annualized net income divided by its average total assets, expressed as a percentage. It shows how much profit the bank earns on each dollar of its balance sheet, whatever its size or capital structure.
Read ROA against peers of the same size and business model, then check what is driving it. A high ROA from a wide net interest margin is more durable than one lifted by a one-time securities gain or a release of loan loss reserves. Subchapter S banks pay no income tax at the bank level, so their after-tax ROA runs higher than a C corporation bank with the same pretax earnings; compare them on pretax ROA. A bank with heavy trust or fee businesses can post a high ROA on a small balance sheet.
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What is Citizens State Bank's Return on Assets?
Citizens State Bank's Return on Assets was 1.42% as of Q2 2026, ranking #1496 of 3,613 U.S. banks.
What is the Return on Assets?
Return on assets (ROA) is a bank's annualized net income divided by its average total assets, expressed as a percentage. It shows how much profit the bank earns on each dollar of its balance sheet, whatever its size or capital structure.
More Citizens State Bank metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full Citizens State Bank profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 17214) · FFIEC NIC profile (RSSD 523161)