The Citizens State Bank at Mohall
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Data as of · sourced from FFIEC call reports. How we update
The Citizens State Bank at Mohall is an FDIC-insured commercial bank headquartered in Mohall, ND, established in 1915 (FDIC certificate 8632), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $80.2M, up 2.0% from Q2 2025, the 49th largest of 60 banks headquartered in North Dakota. Its CET1 capital ratio was 16.01% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8632
- Headquarters
- Mohall, ND
- Established
- 1915
- Total assets, Q2 2026
- $80.2M
- Assets vs Q2 2025
- +2.0%
- CET1 ratio, Q2 2026
- 16.01%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 091308795
- Latest call report
- Q2 2026, FFIEC 051 · The Citizens State Bank at Mohall call report
- Holding company
- JORGENSON HOLDING COMPANY
- Asset rank in state
- 49th of 60 in North Dakota
Little in The Citizens State Bank at Mohall's latest call report stands out. The Mohall, North Dakota bank had $80 million in assets at June 30, 2026, up 2.0% from a year earlier. On most measures it sits near the middle of the 583 banks with less than $100 million in assets.
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.43% of loans, down from 0.69% a year earlier. Deposits are coming in faster than loans: over the year loans rose 2.6% and deposits rose 6.0%.
As of June 30, 2026, The Citizens State Bank at Mohall reported a CET1 capital ratio of 16.01%, a return on assets of 1.19%, a nonperforming-loan ratio of 0.43% and a Texas ratio of 3.15%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Citizens State Bank at Mohall is the 49th largest of the 60 banks headquartered in North Dakota. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 4.7% to $80.2M, loans rose 4.1% and deposits fell 6.3%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 33.0% of total loans, ahead of agricultural production loans at 28.4%. Its 3 offices in the FDIC Summary of Deposits are in Mohall, ND, Sherwood, ND and Lansford, ND; its Mohall office books 76% of its branch deposits. On its Q2 2026 call report, The Citizens State Bank at Mohall meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 102 Main St W, Mohall, ND 58761
- County
- Renville
- Metro Area
- Minot, ND
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 1, 1915
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 11
- Domestic deposits
- $69.9M
- Allowance for credit losses
- $405K
- Net charge-offs (YTD)
- $37K
- Average total assets
- $81.7M
- Average total loans
- $57.1M
- Average interest-bearing deposits
- $71.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8632
- Fed RSSD
- 688453
- Website
- www.csbmsl.com →
- Parent Holding Company
- JORGENSON HOLDING COMPANY (RSSD 1122057)
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
The Citizens State Bank at Mohall's total assets moved between a low of $69.8M (Q3 2023) and a high of $84.1M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$80.2M total assets against $78.6M; $70.9M total liabilities against $69.9M.
$58.8M net loans and leases against $57.2M; $69.9M total deposits against $65.9M.
$19.5M securities against $18.5M; $525K cash and balances due against $1.5M.
$1.0M total interest income against $982K; $310K total interest expense against $267K.
$737K net interest income against $715K.
$16K total noninterest income against $16K; $519K total noninterest expense against $510K.
$0 provision for credit losses against $0.
$242K net income against $221K.
1.19% return on assets against 1.17%; 3.82% net interest margin against 3.95%.
16.01% CET1 capital ratio against 15.01%; 11.78% tier 1 leverage ratio against 12.08%.
Inside the full The Citizens State Bank at Mohall terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.09% (Q4 2024) to 1.19% (Q2 2026) and its net interest margin ran from 3.46% (Q4 2024) to 3.95% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.01% | 1.19% | 0.43% | 3.15% | 3.82% |
| Q1 2026 | 14.56% | 1.14% | 0.45% | 3.20% | 3.83% |
| Q4 2025 | 13.84% | 0.84% | 0.73% | 4.53% | 3.71% |
| Q3 2025 | 15.29% | 0.94% | 0.70% | 4.21% | 3.79% |
| Q2 2025 | 15.01% | 1.17% | 0.69% | 4.37% | 3.95% |
| Q1 2025 | 15.30% | 0.82% | 0.76% | 4.55% | 3.76% |
| Q4 2024 | 15.31% | -0.09% | 1.08% | 6.74% | 3.46% |
| Q3 2024 | 15.27% | 0.83% | 0.94% | 5.78% | 3.57% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| The Citizens State Bank at Mohall | Mohall , ND | 58761 | $53.1M |
| Paying and Receiving Branch | Sherwood , ND | 58782 | $10.5M |
| Lansford Paying and Receiving Branch | Lansford , ND | 58750 | $6.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in ND, rank 56 of 70 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $192K approved, $192K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 The Citizens State Bank at Mohall
What are The Citizens State Bank at Mohall's total assets?
As of the Q2 2026 filing, The Citizens State Bank at Mohall reported total assets of $80.2 million in its FFIEC call report.
Where is The Citizens State Bank at Mohall headquartered?
It is headquartered in Mohall, ND, United States.
When was The Citizens State Bank at Mohall founded?
It was established in 1915, per the FDIC institution directory.
Is The Citizens State Bank at Mohall FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8632). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Citizens State Bank at Mohall?
The Citizens State Bank at Mohall's primary federal regulator is the FDIC.
What is The Citizens State Bank at Mohall's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.01% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Citizens State Bank at Mohall operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Citizens State Bank at Mohall's Texas Ratio?
Its Texas Ratio is 3.15% 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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