Bank Safety Analysis
Is Citizens State Bank of Loyal Safe? Loyal, Wisconsin
Based on its Q2 2026 call report, Citizens State Bank of Loyal meets the community bank leverage ratio test for well capitalized, its Texas ratio is 0.01%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is Citizens State Bank of Loyal safe?
On its Q2 2026 call report, Citizens State Bank of Loyal's Community Bank Leverage Ratio is 11.48%, above the 9% threshold that makes a community bank well capitalized.
- CET1 ratio (Q2 2026): not reported (community bank leverage ratio filer)
- Community Bank Leverage Ratio (Q2 2026): 11.48%
- Texas ratio (Q2 2026): 0.01%
- Noncurrent loans ratio (Q2 2026): 0.00%
Citizens State Bank of Loyal is an FDIC-insured commercial bank (FDIC Certificate #6186). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report Citizens State Bank of Loyal (FDIC Certificate #6186) filed for the quarter ended June 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures · what these ratios mean · how we score.
Citizens State Bank of Loyal passes all 5 safety dimensions, with capital, asset quality, and stress buffers above the concern bands. Analysis based on the Q2 2026 call report.
In Q2 2026, net interest margin edged up by 0.04 percentage points, from 3.29% to 3.33%, the largest move among the key lines here. Within Wisconsin, Citizens State Bank of Loyal is 63rd of 153 on leverage ratio, 11.48% as of Q2 2026. Citizens State Bank of Loyal reported 11.48% on leverage ratio for Q2 2026, 0.52 points above the 10.95% median for banks in the $100M-1B asset tier. From Q3 2023 to Q2 2026, Citizens State Bank of Loyal's CET1 ratio ranged between 14.95% (Q2 2024) and 17.39% (Q1 2026) and its Texas ratio ranged between 0.00% (Q4 2024) and 0.56% (Q2 2025). Between Q2 2025 and Q2 2026, Citizens State Bank of Loyal's nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 0.10% to 0.00%, Texas ratio fell from 0.56% to 0.01% and return on assets rose from 0.96% to 1.15%.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Held-out test AUC 0.910 for the 1-year horizon (v20261026_025757). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety.
See the methodology. This is not investment advice or a credit rating.
How does Citizens State Bank of Loyal score on capital, credit and costs?
Peer cohort: $100M to $1B (2,757 banks) · Industry averages as of Q2 2026.
Leverage ratio of 11.48% exceeds the 9% Community Bank Leverage Ratio threshold. The bank is deemed well-capitalized under CBLR.
Tier 1 leverage of 11.48% is above the 5% well-capitalized threshold.
Nonperforming loans at 0.00% are within industry-normal range.
Texas Ratio of 0.0% is well below the 100% historical failure threshold.
Efficiency ratio of 59.0% reflects competitive operating costs (lower is better).
Note: This bank has elected the Community Bank Leverage Ratio framework, a simplified capital regime for community banks meeting size and complexity criteria. Banks under CBLR don't report CET1 separately; the CBLR leverage threshold serves as the well-capitalized benchmark.
Does Citizens State Bank of Loyal trip any risk screens?
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | — | Flags below 7% | Not reported |
| Texas ratio BankRegReports band | 0.01% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 0.00% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 72.68% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 105.98% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 1.44% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 11 quarters
| Quarter | CET1 (%) |
|---|---|
| Q1 2026 | 17.39% |
| Q4 2025 | 16.65% |
| Q3 2025 | 16.85% |
| Q2 2025 | 15.83% |
| Q1 2025 | 15.64% |
| Q4 2024 | 15.45% |
| Q3 2024 | 15.93% |
| Q2 2024 | 14.95% |
| Q1 2024 | 15.32% |
| Q4 2023 | 15.36% |
| Q3 2023 | 15.26% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 0.01% |
| Q1 2026 | 0.11% |
| Q4 2025 | 0.12% |
| Q3 2025 | 0.13% |
| Q2 2025 | 0.56% |
| Q1 2025 | 0.07% |
| Q4 2024 | 0.00% |
| Q3 2024 | 0.01% |
| Q2 2024 | 0.00% |
| Q1 2024 | 0.00% |
| Q4 2023 | 0.44% |
| Q3 2023 | 0.32% |
How have Citizens State Bank of Loyal's safety ratios changed?
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | — | 0.00% | 0.01% | 1.15% |
| Mar 31, 2026 | 17.39% | 0.02% | 0.11% | 1.14% |
| Dec 31, 2025 | 16.65% | 0.02% | 0.12% | 1.04% |
| Sep 30, 2025 | 16.85% | 0.02% | 0.13% | 1.08% |
| Jun 30, 2025 | 15.83% | 0.10% | 0.56% | 0.96% |
| Mar 31, 2025 | 15.64% | 0.01% | 0.07% | 0.80% |
| Dec 31, 2024 | 15.45% | 0.00% | 0.00% | 0.87% |
| Sep 30, 2024 | 15.93% | 0.00% | 0.01% | 0.77% |
| Jun 30, 2024 | 14.95% | 0.00% | 0.00% | 0.77% |
| Mar 31, 2024 | 15.32% | 0.00% | 0.00% | 0.65% |
| Dec 31, 2023 | 15.36% | 0.08% | 0.44% | 0.78% |
| Sep 30, 2023 | 15.26% | 0.05% | 0.32% | 0.52% |
What do these ratios mean?
Community Bank Leverage Ratio
Tier 1 capital divided by average total assets, for a qualifying community bank that elects the simpler framework. It replaces the risk-based ratios for that bank. Community Bank Leverage Ratio in the glossary.
Tier 1 Leverage Ratio
Tier 1 capital divided by average total assets, with no risk weighting. It caps how far a bank can grow its balance sheet on its capital. Tier 1 Leverage Ratio in the glossary.
Nonperforming Loans (NPL) Ratio
Nonaccrual loans plus loans 90 or more days past due, divided by total loans. Regulators call these noncurrent loans, the name the short answer above uses. Nonperforming Loans (NPL) Ratio in the glossary.
Texas Ratio
Problem assets (nonaccrual loans, loans 90 or more days past due and foreclosed real estate) divided by tangible equity plus the loan-loss reserve. Readings above 100% have historically come before bank failures. Texas Ratio in the glossary.
Efficiency Ratio
Noninterest expense divided by revenue (net interest income plus noninterest income). Lower is better: it is what the bank spends to earn each dollar. Efficiency Ratio in the glossary.
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Citizens State Bank of Loyal FDIC insured?
Yes. Citizens State Bank of Loyal is an FDIC-insured commercial bank (FDIC Certificate #6186). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Citizens State Bank of Loyal well capitalized?
On its Q2 2026 call report, Citizens State Bank of Loyal's Community Bank Leverage Ratio is 11.48%, above the 9% threshold that makes a community bank well capitalized. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are Citizens State Bank of Loyal's key safety ratios?
For Q2 2026, Citizens State Bank of Loyal reports leverage 11.48%, Texas ratio 0.01%, noncurrent loans 0.00%. The Texas ratio compares problem assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
What happens to my deposits if Citizens State Bank of Loyal fails?
Insured deposits are protected up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC pays insured depositors as soon as possible, usually the next business day.
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Free to use. It shows Citizens State Bank of Loyal’s latest filed figures and updates each quarter.
Where does this data come from?
Source: the FFIEC call report Citizens State Bank of Loyal (FDIC Certificate #6186) filed for the quarter ended June 30, 2026. BankRegReports computes every ratio on this page from that filing.
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice.
FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 6186) · FFIEC NIC profile (RSSD 479446)
Explore: Full Citizens State Bank of Loyal profile · Other banks in WI · Metric glossary · How the call report works