Citizens State Bank - La Crosse
Asset quality shifted last quarter — NPLs fell to 1.02% from 1.68% in the prior period. Citizens State Bank - LA Crosse is the primary bank subsidiary of its parent holding company, headquartered in LA Crosse, WI. Citizens State Bank - LA Crosse's Q1 2026 balance sheet shows $653M in assets funded primarily by $531M in customer deposits. Profitability is strong — 2.88% ROA, paired with 23.01% ROE and a 4.09% net interest margin. Under the simplified Community Bank Leverage Ratio framework, leverage of 12.63% exceeds the 9% CBLR threshold. Asset quality is solid — 1.02% nonperforming loans and a 6.99% Texas Ratio. It operates 4 branches, primarily in Wisconsin.
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
- Fed District
- 9
- Established
- December 9, 1907
- Branches
- 4 domestic
- Employees (FTE)
- 85
- FDIC Cert
- 1513
- Fed RSSD
- 447557
- Website
- www.citizensstatebank.us →
- Parent Holding Company
- CLAYTON BANKSHARES, INC. (RSSD 1123782)
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Loans outstanding exceed total deposits — the bank is funding the gap with wholesale sources (FHLB advances, brokered deposits, repo) that are more rate-sensitive and can dry up in a stress scenario.
Citizens State Bank - La Crosse 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… | |||
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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 Q1 2026 filing, Citizens State Bank - La Crosse reported total assets of $653.0 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 - La Crosse headquartered?
Citizens State Bank - La Crosse is headquartered in LA CROSSE, WI, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Citizens State Bank - La Crosse founded?
Citizens State Bank - La Crosse was established in 1907, per the FDIC institution directory.
Is Citizens State Bank - La Crosse FDIC-insured?
Yes. Citizens State Bank - La Crosse 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Citizens State Bank - La Crosse operate?
Citizens State Bank - La Crosse operates 4 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Citizens State Bank - La Crosse's Texas Ratio?
Citizens State Bank - La Crosse's Texas Ratio is 6.99% — 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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