Citizens State Bank of Loyal
Operating from Loyal, WI, Citizens State Bank of Loyal serves its local market as an FDIC-insured commercial bank. As of Q1 2026, the bank held approximately $307M in total assets and $243M in deposits. Profitability tracks the broader industry — ROA 1.14%, ROE 11.68%, NIM 3.29%. Regulatory capital is solid — 17.39% CET1 and 18.40% total risk-based capital ratio. Credit metrics are pristine, with nonperforming loans at just 0.06%. 5 branches make up the footprint.
Headquarters Profile
- Address
- 400 N Main St, LOYAL, WI 54446
- County
- Clark
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 9
- Established
- December 15, 1909
- Branches
- 5 domestic
- Employees (FTE)
- 41
- FDIC Cert
- 6186
- Fed RSSD
- 479446
- Website
- http://www.csbloyal.com →
- Parent Holding Company
- CITIZENS BANCSHARES OF LOYAL, INC. (RSSD 1136410)
Capital & Liquidity
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Citizens State Bank of Loyal 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 of Loyal
What are Citizens State Bank of Loyal's total assets?
As of the Q1 2026 filing, Citizens State Bank of Loyal reported total assets of $307.3 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 of Loyal headquartered?
Citizens State Bank of Loyal is headquartered in LOYAL, WI, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Citizens State Bank of Loyal founded?
Citizens State Bank of Loyal was established in 1909, per the FDIC institution directory.
Is Citizens State Bank of Loyal FDIC-insured?
Yes. Citizens State Bank of Loyal is an FDIC-insured commercial bank (FDIC Certificate #6186). 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 Loyal?
Citizens State Bank of Loyal's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Citizens State Bank of Loyal's CET1 capital ratio?
Citizens State Bank of Loyal reported a Common Equity Tier 1 (CET1) capital ratio of 17.39% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Citizens State Bank of Loyal operate?
Citizens State Bank of Loyal operates 5 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Citizens State Bank of Loyal's Texas Ratio?
Citizens State Bank of Loyal's Texas Ratio is 0.30% — 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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