Citizens State Bank - La Crosse
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Data as of · sourced from FFIEC call reports. How we update
Citizens State Bank - La Crosse is an FDIC-insured commercial bank headquartered in La Crosse, WI, established in 1907 (FDIC certificate 1513), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $648.5M, down 2.1% from Q2 2025, the 52nd largest of 153 banks headquartered in Wisconsin. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.36% 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
- 1513
- Headquarters
- La Crosse, WI
- Established
- 1907
- Total assets, Q2 2026
- $648.5M
- Assets vs Q2 2025
- -2.1%
- Tier 1 leverage ratio, Q2 2026
- 13.36%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 091804833
- Latest call report
- Q2 2026, FFIEC 051 · Citizens State Bank - La Crosse call report
- Holding company
- CLAYTON BANKSHARES, INC.
- Asset rank in state
- 52nd of 153 in Wisconsin
Citizens State Bank - La Crosse is one of the more profitable banks of its size. It reported $649 million in assets at June 30, 2026, down 2.1% from a year earlier. It earns about $3.10 a year on every $100 of assets, 2.4 times the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 39 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Its $62 million commercial and industrial book is improving, with 5.76% past due or on nonaccrual, down from 8.18% a year earlier. Loans and deposits moved in opposite directions: over the year loans rose 0.9% and deposits fell 3.8%. Concentration is the risk to watch: it holds commercial real estate loans worth 3.0 times its capital, 2.5 times the median of 1.2 times for banks its size.
As of June 30, 2026, Citizens State Bank - La Crosse reported a return on assets of 3.10%, a nonperforming-loan ratio of 1.06% and a Texas ratio of 6.96%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Citizens State Bank - La Crosse is the 52nd largest of the 153 banks headquartered in Wisconsin. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.7% to $648.5M, loans were flat and deposits fell 3.3%. The largest part of its loan book on June 30, 2026 was multifamily loans, at 25.2% of total loans, ahead of owner-occupied commercial real estate loans at 17.8%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in WI; its La Crosse office books 76% of its branch deposits. On its Q2 2026 call report, Citizens State Bank - La Crosse meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 620 Main St, La Crosse, WI 54601
- County
- La Crosse
- Metro Area
- La Crosse-Onalaska, WI-MN
- 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
- December 9, 1907
- Former names
- Citizens State Bank of La Crosse (2011)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 85
- Domestic deposits
- $513.4M
- Allowance for credit losses
- $7.4M
- Net charge-offs (YTD)
- $1K
- Average total assets
- $636.6M
- Average total loans
- $544.6M
- Average interest-bearing deposits
- $406.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1513
- Fed RSSD
- 447557
- Website
- www.citizensstatebank.us →
- Parent Holding Company
- CLAYTON BANKSHARES, INC. (RSSD 1123782)
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 - La Crosse reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Citizens State Bank - La Crosse's total assets ranged from $622.8M (Q3 2023) to $684.5M (Q1 2025), 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
$648.5M total assets against $662.5M; $563.4M total liabilities against $587.8M.
$538.9M net loans and leases against $534.3M; $513.4M total deposits against $533.6M.
$400K securities against $402K; $95.5M cash and balances due against $113.6M.
$9.9M total interest income against $10.0M; $3.4M total interest expense against $3.9M.
$6.6M net interest income against $6.1M.
$1.5M total noninterest income against $1.4M; $3.1M total noninterest expense against $3.0M.
$0 provision for credit losses against $124K.
$4.9M net income against $4.4M.
3.10% return on assets against 2.65%; 4.16% net interest margin against 3.70%.
13.36% tier 1 leverage ratio against 11.17%.
Inside the full Citizens State Bank - La Crosse terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Citizens State Bank - La Crosse rankings
Its closest position to the top of a national ranking is 64 of 3,611, for ROA; its furthest is 1,455 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 2.28% (Q1 2025) to 3.10% (Q2 2026) and its net interest margin ran from 3.61% (Q1 2025) to 4.16% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.36% | 3.10% | 1.06% | 6.96% | 4.16% |
| Q1 2026 | 12.63% | 2.88% | 1.02% | 6.99% | 4.09% |
| Q4 2025 | 12.18% | 2.68% | 1.68% | 11.09% | 4.10% |
| Q3 2025 | 11.74% | 2.84% | 1.01% | 7.36% | 3.99% |
| Q2 2025 | 11.17% | 2.65% | 1.07% | 7.87% | 3.70% |
| Q1 2025 | 10.67% | 2.28% | 1.17% | 8.96% | 3.61% |
| Q4 2024 | 10.28% | 2.31% | 1.06% | 8.54% | 3.84% |
| Q3 2024 | 10.28% | 2.37% | 1.14% | 9.85% | 3.79% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 of La Crosse | La Crosse , WI | 54601 | $390.1M |
| Clayton Branch | Clayton , WI | 54004 | $61.5M |
| Onalaska Branch | Onalaska , WI | 54650 | $32.7M |
| Eau Claire Branch | Altoona , WI | 54720 | $29.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in WI, rank 61 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 138 applications, 123 loans originated, $57.9M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $1.4M approved, $362K 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
- 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 - La Crosse
What are Citizens State Bank - La Crosse's total assets?
As of the Q2 2026 filing, Citizens State Bank - La Crosse reported total assets of $648.5 million in its FFIEC call report.
Where is Citizens State Bank - La Crosse headquartered?
It is headquartered in La Crosse, WI, United States.
When was Citizens State Bank - La Crosse founded?
It was established in 1907, per the FDIC institution directory.
Is Citizens State Bank - La Crosse FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1513). 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 - La Crosse?
Citizens State Bank - La Crosse's primary federal regulator is the FDIC.
How many branches does Citizens State Bank - La Crosse operate?
It operates 4 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 - La Crosse's Texas Ratio?
Its Texas Ratio is 6.96% 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 - La Crosse previously called?
The charter now named Citizens State Bank - La Crosse has also operated as Citizens State Bank of La Crosse (2011), per FDIC structure-change records.
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