Citizens State Bank of Lankin
Also written as CSB of Lankin
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Data as of · sourced from FFIEC call reports. How we update
Citizens State Bank of Lankin is an FDIC-insured commercial bank headquartered in Lankin, ND, established in 1905 (FDIC certificate 9422), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $72.1M, up 4.5% from Q2 2025, the 53rd largest of 60 banks headquartered in North Dakota. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.13% 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
- 9422
- Headquarters
- Lankin, ND
- Established
- 1905
- Total assets, Q2 2026
- $72.1M
- Assets vs Q2 2025
- +4.5%
- Tier 1 leverage ratio, Q2 2026
- 10.13%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 091303130
- Latest call report
- Q2 2026, FFIEC 041 · Citizens State Bank of Lankin Q3 2026 call report, filed October 15, 2026 (preliminary)
- Holding company
- CITIZENS STATE BANCSHARES, INC.
- Asset rank in state
- 53rd of 60 in North Dakota
Problem loans are rising at Citizens State Bank of Lankin. Its balance sheet stood at $72 million at June 30, 2026, up 4.5% from a year earlier; it is based in Lankin, North Dakota. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.58% of loans from 0.20% a year earlier. It returns 17.6% a year on shareholders' equity, about double the median of 8.6% for the 583 banks with less than $100 million in assets. On the other hand, it carries problem assets equal to 12.4% of the capital and reserves that would absorb them, 9.0 times the median of 1.4% for banks its size.
Earnings jumped: net income for the quarter was $270,000, 55% above the same quarter a year earlier. The commercial and industrial book ($5.6 million) is worsening: 12.05% of it is past due or on nonaccrual, up from 9.59% a year earlier. Where it has less room is capital: it funds 10.13% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 13.06%).
As of June 30, 2026, Citizens State Bank of Lankin reported a return on assets of 1.42%, a nonperforming-loan ratio of 1.58% and a Texas ratio of 12.39%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Citizens State Bank of Lankin is the 53rd largest of the 60 banks headquartered in North Dakota. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 6.3% to $72.1M, loans rose 1.6% and deposits fell 3.5%. Its loan book on June 30, 2026 was led by agricultural production loans, at 25.5% of total loans, followed by farmland and other real estate loans at 23.9%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in ND; its Edmore office books 31% of its branch deposits. On its Q2 2026 call report, Citizens State Bank of Lankin meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 401 Main Street, Lankin, ND 58250
- County
- Walsh
- 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 041
- Established
- May 15, 1905
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 14
- Domestic deposits
- $61.4M
- Allowance for credit losses
- $412K
- Net charge-offs (YTD)
- $64K
- Average total assets
- $76.0M
- Average total loans
- $51.7M
- Average interest-bearing deposits
- $46.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9422
- Fed RSSD
- 940852
- Website
- http://www.csb100.com →
- Parent Holding Company
- CITIZENS STATE BANCSHARES, INC. (RSSD 2253060)
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 of Lankin reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Citizens State Bank of Lankin's total assets moved between a low of $61.1M (Q3 2023) and a high of $76.9M (Q1 2026) from Q3 2023 to Q2 2026, 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
$72.1M total assets against $69.0M; $65.8M total liabilities against $63.8M.
$52.6M net loans and leases against $49.3M; $61.4M total deposits against $55.6M.
$14.6M securities against $15.4M; $1.6M cash and balances due against $958K.
$1.1M total interest income against $1.1M; $290K total interest expense against $288K.
$850K net interest income against $769K.
$29K total noninterest income against $58K; $627K total noninterest expense against $553K.
$0 provision for credit losses against $100K.
$270K net income against $174K.
1.42% return on assets against 1.00%; 4.72% net interest margin against 4.70%.
10.13% tier 1 leverage ratio against 10.12%.
Inside the full Citizens State Bank of Lankin 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 0.67% (Q4 2024) to 1.75% (Q3 2025) and its net interest margin ran from 4.12% (Q3 2024) to 4.90% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.13% | 1.42% | 1.58% | 12.39% | 4.72% |
| Q1 2026 | 9.57% | 0.82% | 1.11% | 9.10% | 4.70% |
| Q4 2025 | 10.41% | 1.20% | 1.48% | 11.47% | 4.86% |
| Q3 2025 | 10.52% | 1.75% | 0.53% | 4.29% | 4.90% |
| Q2 2025 | 10.12% | 1.00% | 0.20% | 1.76% | 4.70% |
| Q1 2025 | 10.23% | 1.28% | 0.17% | 1.51% | 4.56% |
| Q4 2024 | 10.13% | 0.67% | 0.53% | 4.80% | 4.52% |
| Q3 2024 | 9.98% | 1.07% | 0.01% | 0.05% | 4.12% |
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 |
|---|---|---|---|
| Paying and Receiving Branch | Edmore , ND | 58330 | $18.9M |
| Paying and Receiving Branch | Edinburg , ND | 58227 | $15.9M |
| Citizens State Bank of Lankin (main office) | Lankin , ND | 58250 | $14.0M |
| Park River Branch | Park River , ND | 58270 | $12.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in ND, rank 61 of 70 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $90K approved, $90K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2014 (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 Citizens State Bank of Lankin
What are Citizens State Bank of Lankin's total assets?
As of the Q2 2026 filing, Citizens State Bank of Lankin reported total assets of $72.1 million in its FFIEC call report.
Where is Citizens State Bank of Lankin headquartered?
It is headquartered in Lankin, ND, United States.
When was Citizens State Bank of Lankin founded?
It was established in 1905, per the FDIC institution directory.
Is Citizens State Bank of Lankin FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9422). 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 of Lankin?
Citizens State Bank of Lankin's primary federal regulator is the FDIC.
How many branches does Citizens State Bank of Lankin 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 of Lankin's Texas Ratio?
Its Texas Ratio is 12.39% 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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