Citizens State Bank (Hudson, WI)
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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 Hudson, WI, established in 1904 (FDIC certificate 6194), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $488.2M, up 5.4% from Q2 2025, the 69th largest of 153 banks headquartered in Wisconsin. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.02% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 6194
- Headquarters
- Hudson, WI
- Established
- 1904
- Total assets, Q2 2026
- $488.2M
- Assets vs Q2 2025
- +5.4%
- Tier 1 leverage ratio, Q2 2026
- 10.02%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 091807254
- Holding company
- CITIZENS BANCSHARES OF WOODVILLE, INC.
- Asset rank in state
- 69th of 153 in Wisconsin
Little in Citizens State Bank's latest call report stands out. Its balance sheet stood at $488 million at June 30, 2026, up 5.4% from a year earlier; it is based in Hudson, Wisconsin. On most measures it sits near the middle of the 2,660 banks with $100 million to $1 billion in assets.
Net income for the quarter rose 28% from a year earlier, to $1.5 million. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.43% of loans, down from 0.57% a year earlier. Funding is the softer spot: it pays an average of 2.29% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Citizens State Bank reported a return on assets of 1.20%, a nonperforming-loan ratio of 0.43% and a Texas ratio of 3.31%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Citizens State Bank is the 69th largest of the 153 banks headquartered in Wisconsin. From Q1 2026 to Q2 2026, its total assets were flat, loans rose 0.1% and deposits fell 0.2%. 1-4 family residential loans made up 56.3% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 14.4%. The FDIC Summary of Deposits lists 5 offices for it, in 5 cities in WI; its Hudson office books 51% of its branch deposits. On its Q2 2026 call report, Citizens State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 375 Stageline Rd, Hudson, WI 54016
- County
- St. Croix
- Metro Area
- Minneapolis-St. Paul-Bloomington, MN-WI
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 15, 1904
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 67
- Domestic deposits
- $410.5M
- Allowance for credit losses
- $5.3M
- Net charge-offs (YTD)
- $43K
- Average total assets
- $486.1M
- Average total loans
- $400.5M
- Average interest-bearing deposits
- $358.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6194
- Fed RSSD
- 867856
- SEC CIK
- 1863102 → filed by CITIZENS BANCSHARES OF WOODVILLE, INC.
- Website
- www.csbnet.net →
- Parent Holding Company
- CITIZENS BANCSHARES OF WOODVILLE, INC. (RSSD 1129065)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Citizens State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Citizens State Bank's total assets ran between $389.4M (Q3 2023) and $488.2M (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
$488.2M total assets against $463.3M; $441.1M total liabilities against $421.6M.
$395.8M net loans and leases against $385.4M; $410.5M total deposits against $397.9M.
$47.6M securities against $42.4M; $33.3M cash and balances due against $24.6M.
$7.1M total interest income against $6.8M; $2.5M total interest expense against $2.8M.
$4.6M net interest income against $4.0M.
$281K total noninterest income against $318K; $2.9M total noninterest expense against $2.6M.
$225K provision for credit losses against $302K.
$1.5M net income against $1.1M.
1.20% return on assets against 0.98%; 3.82% net interest margin against 3.51%.
10.02% tier 1 leverage ratio against 9.49%.
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 1,809 of 4,196, for total assets; its furthest is 2,033 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.92% (Q1 2025) to 1.20% (Q1 2026) and its net interest margin ran from 3.30% (Q3 2024) to 3.82% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.02% | 1.20% | 0.43% | 3.31% | 3.82% |
| Q1 2026 | 9.67% | 1.20% | 0.46% | 3.65% | 3.63% |
| Q4 2025 | 9.80% | 1.16% | 0.26% | 2.14% | 3.77% |
| Q3 2025 | 9.56% | 1.18% | 0.32% | 3.35% | 3.73% |
| Q2 2025 | 9.49% | 0.98% | 0.57% | 4.78% | 3.51% |
| Q1 2025 | 9.45% | 0.92% | 0.68% | 5.79% | 3.44% |
| Q4 2024 | 9.44% | 1.15% | 0.66% | 5.56% | 3.51% |
| Q3 2024 | 9.29% | 1.07% | 0.64% | 5.33% | 3.30% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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) | Hudson , WI | 54016 | $207.7M |
| Woodville Branch | Woodville , WI | 54028 | $60.3M |
| 500 West Boulevard Branch | Roberts , WI | 54023 | $59.1M |
| Menomonie Branch | Menomonie , WI | 54751 | $46.4M |
| Elmwood Branch | Elmwood , WI | 54740 | $37.0M |
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 |
|---|---|---|---|
| March 14, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 14, 1998 | Structure Change | Acquired Bank St. Croix Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 29, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 29, 1993 | Structure Change | Acquired First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- March 31, 2010, Federal Reserve: Written Agreement: Citizens Bancshares of Woodville, Inc., Hudson, Wisconsin
- Period: Most recent institution action March 31, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in WI, rank 74 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 166 applications, 107 loans originated, $34.4M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 7 loans, $1.1M approved, $162K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 $488.2 million in its FFIEC call report.
Where is Citizens State Bank headquartered?
It is headquartered in Hudson, WI, United States.
When was Citizens State Bank founded?
It was established in 1904, per the FDIC institution directory.
Is Citizens State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #6194). 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.
How many branches does Citizens State Bank operate?
It operates 5 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 3.31% 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.
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