Citizens State Bank of Loyal: 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.
Deposits to assets climbed 1.35 percentage points in Q2 2026, from 79.00% to 80.35%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Citizens State Bank of Loyal is 99th of 153 on return on assets, 1.15% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Citizens State Bank of Loyal sits 0.10 points lower, at 1.15% (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 | 11.48% |
| Equity capital to assets | 10.22% |
| Tangible equity to tangible assets | 10.22% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 0.01% |
| Allowance for credit losses to loans | 1.09% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.15% |
| Return on equity | 11.49% |
| Net interest margin | 3.33% |
| Efficiency ratio | 58.99% |
| Yield on earning assets | 5.03% |
| Cost of funds | 1.86% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.68% |
| Core deposits to total deposits | 97.25% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 80.35% |
| Securities to assets | 29.23% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.26% | 15.26% | 16.31% | 11.28% | 0.52% |
| Q4 2023 | 15.36% | 15.36% | 16.43% | 11.08% | 0.78% |
| Q1 2024 | 15.32% | 15.32% | 16.29% | 11.13% | 0.65% |
| Q2 2024 | 14.95% | 14.95% | 15.89% | 11.21% | 0.77% |
| Q3 2024 | 15.93% | 15.93% | 16.90% | 11.08% | 0.77% |
| Q4 2024 | 15.45% | 15.45% | 16.38% | 10.75% | 0.87% |
| Q1 2025 | 15.64% | 15.64% | 16.58% | 10.97% | 0.80% |
| Q2 2025 | 15.83% | 15.83% | 16.77% | 10.82% | 0.96% |
| Q3 2025 | 16.85% | 16.85% | 17.84% | 10.94% | 1.08% |
| Q4 2025 | 16.65% | 16.65% | 17.63% | 11.33% | 1.04% |
| Q1 2026 | 17.39% | 17.39% | 18.40% | 11.42% | 1.14% |
| Q2 2026 | — | — | — | 11.48% | 1.15% |
Citizens State Bank of Loyal vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens State Bank of Loyal, 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 Loyal profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6186) · FFIEC NIC profile (RSSD 479446)