Citizens State Bank
Operating from Monticello, IA, Citizens State Bank serves its local market as an FDIC-insured commercial bank. On its most recent Q1 2026 call report, Citizens State reported $583M in total assets against $530M in deposits. Profitability tracks the broader industry — ROA 1.01%, ROE 16.94%, NIM 3.08%. Under the simplified Community Bank Leverage Ratio framework, leverage of 11.37% exceeds the 9% CBLR threshold. Credit conditions bear watching: 1.53% NPL ratio with a 14.29% Texas Ratio (elevated but below the 100% concern level). It operates 8 branches, primarily in Iowa.
Headquarters Profile
- Address
- 117 W 1st St, MONTICELLO, IA 52310
- County
- Jones
- Metro Area
- CEDAR RAPIDS, IA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 11
- Established
- March 11, 1931
- Branches
- 8 domestic
- Employees (FTE)
- 72
- FDIC Cert
- 9047
- Fed RSSD
- 795548
- Website
- www.mycsb.bank →
- Parent Holding Company
- HERKY HAWK FINANCIAL CORP. (RSSD 1245741)
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Citizens State Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
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Frequently asked about Citizens State Bank
What are Citizens State Bank's total assets?
As of the Q1 2026 filing, Citizens State Bank reported total assets of $582.9 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Citizens State Bank headquartered?
Citizens State Bank is headquartered in MONTICELLO, IA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Citizens State Bank founded?
Citizens State Bank was established in 1931, per the FDIC institution directory.
Is Citizens State Bank FDIC-insured?
Yes. Citizens State Bank is an FDIC-insured commercial bank (FDIC Certificate #9047). 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 FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Citizens State Bank operate?
Citizens State Bank operates 8 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Citizens State Bank's Texas Ratio?
Citizens State Bank's Texas Ratio is 14.29% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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