Citizens State Bank of Arlington: 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.
Securities to assets climbed 1.10 percentage points in Q2 2026, from 37.41% to 38.51%. It was the largest change from Q1 2026 among the key lines here. Within South Dakota, Citizens State Bank of Arlington is 34th of 56 on return on assets, 1.24% as of Q2 2026, below the middle of the field. At 1.24%, Citizens State Bank of Arlington's return on assets is close to the 1.25% median for banks in the $100M-1B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.74% |
| Equity capital to assets | 11.14% |
| Tangible equity to tangible assets | 11.14% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.63% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.24% |
| Return on equity | 11.34% |
| Net interest margin | 3.07% |
| Efficiency ratio | 55.92% |
| Yield on earning assets | 4.88% |
| Cost of funds | 2.00% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 55.05% |
| Core deposits to total deposits | 91.31% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.06% |
| Securities to assets | 38.51% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.86% | 0.60% | 2.34% | 0.00% | 0.00% |
| Q4 2023 | 11.15% | 0.80% | 2.38% | 0.00% | 0.00% |
| Q1 2024 | 11.33% | 0.43% | 2.42% | 0.00% | 0.00% |
| Q2 2024 | 11.23% | 0.34% | 2.36% | 0.00% | 0.00% |
| Q3 2024 | 11.45% | 0.28% | 2.21% | 0.00% | 0.00% |
| Q4 2024 | 11.92% | 0.92% | 2.41% | 0.00% | 0.00% |
| Q1 2025 | 11.90% | 0.66% | 2.54% | 0.00% | 0.00% |
| Q2 2025 | 11.95% | 0.80% | 2.64% | 0.00% | 0.01% |
| Q3 2025 | 12.13% | 0.86% | 2.75% | 0.00% | 0.00% |
| Q4 2025 | 12.24% | 0.81% | 2.82% | 0.00% | 0.00% |
| Q1 2026 | 11.63% | 0.95% | 2.81% | 0.00% | 0.00% |
| Q2 2026 | 11.74% | 1.24% | 3.07% | 0.00% | 0.00% |
Citizens State Bank of Arlington vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens State Bank of Arlington, 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 of Arlington profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1118) · FFIEC NIC profile (RSSD 274856)