Citizens State Bank of Loyal
Also written as CSB of Loyal
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Data as of · sourced from FFIEC call reports. How we update
Citizens State Bank of Loyal is an FDIC-insured commercial bank headquartered in Loyal, WI, established in 1909 (FDIC certificate 6186), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $311.5M, down 1.6% from Q2 2025, the 96th largest of 153 banks headquartered in Wisconsin. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.48% 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
- 6186
- Headquarters
- Loyal, WI
- Established
- 1909
- Total assets, Q2 2026
- $311.5M
- Assets vs Q2 2025
- -1.6%
- Tier 1 leverage ratio, Q2 2026
- 11.48%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 075903983
- Latest call report
- Q2 2026, FFIEC 051 · Citizens State Bank of Loyal Q3 2026 call report, filed October 22, 2026 (preliminary)
- Holding company
- CITIZENS BANCSHARES OF LOYAL, INC.
- Asset rank in state
- 96th of 153 in Wisconsin
Citizens State Bank of Loyal, based in Loyal, Wisconsin, reported $312 million in assets at June 30, 2026, down 1.6% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also lost 1.8% of its deposits over the year, lower than about three-quarters of banks its size (median 4.0%).
Net income for the quarter rose 19% from a year earlier, to $901,000. Over the same year, loans grew 6.2% and deposits shrank 1.8%. Its margin is thin by comparison: it keeps 3.33 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Citizens State Bank of Loyal reported a return on assets of 1.15%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.01%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Citizens State Bank of Loyal is the 96th largest of the 153 banks headquartered in Wisconsin. Between Q1 2026 and Q2 2026, its total assets rose 1.4% to $311.5M, loans rose 3.6% and deposits rose 3.1%. Farmland and other real estate loans made up 35.6% of its total loans on June 30, 2026, its largest category; next came multifamily loans at 12.0%. The FDIC Summary of Deposits lists 5 offices for it, in 5 cities in WI; its Neillsville office books 34% of its branch deposits. Judged on its Q2 2026 call report, Citizens State Bank of Loyal meets the community bank leverage ratio test for well capitalized.
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
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 15, 1909
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 41
- Domestic deposits
- $250.3M
- Allowance for credit losses
- $2.0M
- Net charge-offs (YTD)
- $5K
- Average total assets
- $313.5M
- Average total loans
- $179.5M
- Average interest-bearing deposits
- $198.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6186
- Fed RSSD
- 479446
- Website
- http://www.csbloyal.com →
- Parent Holding Company
- CITIZENS BANCSHARES OF LOYAL, INC. (RSSD 1136410)
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 Loyal reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Citizens State Bank of Loyal's total assets ranged from $274.3M (Q3 2023) to $316.7M (Q2 2025), 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
$311.5M total assets against $316.7M; $279.7M total liabilities against $288.5M.
$180.0M net loans and leases against $169.7M; $250.3M total deposits against $254.9M.
$91.1M securities against $92.1M; $23.1M cash and balances due against $37.3M.
$3.7M total interest income against $3.6M; $1.3M total interest expense against $1.4M.
$2.4M net interest income against $2.1M.
$331K total noninterest income against $320K; $1.7M total noninterest expense against $1.6M.
$30K provision for credit losses against $30K.
$901K net income against $759K.
1.15% return on assets against 0.96%; 3.33% net interest margin against 2.94%.
11.48% tier 1 leverage ratio against 10.82%.
Inside the full Citizens State Bank of Loyal terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCitizens State Bank of Loyal rankings
Its closest position to the top of a national ranking is 1,707 of 3,606, for efficiency ratio; its furthest is 3,333 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.77% (Q3 2024) to 1.15% (Q2 2026) and its net interest margin ran from 2.66% (Q4 2024) to 3.33% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.48% | 1.15% | 0.00% | 0.01% | 3.33% |
| Q1 2026 | 11.42% | 1.14% | 0.02% | 0.11% | 3.29% |
| Q4 2025 | 11.33% | 1.04% | 0.02% | 0.12% | 3.25% |
| Q3 2025 | 10.94% | 1.08% | 0.02% | 0.13% | 3.07% |
| Q2 2025 | 10.82% | 0.96% | 0.10% | 0.56% | 2.94% |
| Q1 2025 | 10.97% | 0.80% | 0.01% | 0.07% | 2.75% |
| Q4 2024 | 10.75% | 0.87% | 0.00% | 0.00% | 2.66% |
| Q3 2024 | 11.08% | 0.77% | 0.00% | 0.01% | 2.73% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| Neillsville Branch | Neillsville , WI | 54456 | $85.3M |
| Citizens State Bank of Loyal (main office) | Loyal , WI | 54446 | $79.7M |
| Granton Branch | Granton , WI | 54436 | $41.0M |
| Marshfield Branch | Marshfield , WI | 54449 | $27.0M |
| Spencer Branch | Spencer , WI | 54479 | $17.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in WI, rank 109 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 59 applications, 44 loans originated, $7.3M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $15K approved, $15K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2009 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Loyal
What are Citizens State Bank of Loyal's total assets?
As of the Q2 2026 filing, Citizens State Bank of Loyal reported total assets of $311.5 million in its FFIEC call report.
Where is Citizens State Bank of Loyal headquartered?
It is headquartered in Loyal, WI, United States.
When was Citizens State Bank of Loyal founded?
It was established in 1909, per the FDIC institution directory.
Is Citizens State Bank of Loyal FDIC-insured?
Yes. It 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.
How many branches does Citizens State Bank of Loyal operate?
It operates 5 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 Loyal's Texas Ratio?
Its Texas Ratio is 0.01% 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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