Citizens State Bank - La Crosse: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 4.48 percentage points in Q2 2026, from 132.94% to 128.46%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Citizens State Bank - La Crosse ranks 6th highest among the 153 banks headquartered in Wisconsin, at 3.10% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Citizens State Bank - La Crosse reported 3.10% on return on assets in Q2 2026, 1.84 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.36% |
| Equity capital to assets | 13.13% |
| Tangible equity to tangible assets | 13.12% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.06% |
| Non-performing assets ratio | 0.99% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 6.96% |
| Allowance for credit losses to loans | 1.36% |
| Reserve coverage of non-performing loans | 128.46% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 3.10% |
| Return on equity | 23.61% |
| Net interest margin | 4.16% |
| Efficiency ratio | 38.83% |
| Yield on earning assets | 6.29% |
| Cost of funds | 2.48% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 106.42% |
| Core deposits to total deposits | 83.84% |
| Brokered deposits to total deposits | 20.52% |
| Deposits to assets | 79.16% |
| Securities to assets | 0.06% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.20% | 10.20% | 10.94% | 8.68% | 2.46% |
| Q4 2023 | 10.31% | 10.31% | 11.08% | 8.66% | 2.25% |
| Q1 2024 | 10.78% | 10.78% | 11.84% | 8.96% | 1.40% |
| Q2 2024 | 11.56% | 11.56% | 12.79% | 9.69% | 1.97% |
| Q3 2024 | 12.29% | 12.29% | 13.54% | 10.28% | 2.37% |
| Q4 2024 | — | — | — | 10.28% | 2.31% |
| Q1 2025 | — | — | — | 10.67% | 2.28% |
| Q2 2025 | — | — | — | 11.17% | 2.65% |
| Q3 2025 | — | — | — | 11.74% | 2.84% |
| Q4 2025 | — | — | — | 12.18% | 2.68% |
| Q1 2026 | — | — | — | 12.63% | 2.88% |
| Q2 2026 | — | — | — | 13.36% | 3.10% |
Citizens State Bank - La Crosse vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens State Bank - La Crosse, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Citizens State Bank - La Crosse profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1513) · FFIEC NIC profile (RSSD 447557)