Citizens State Bank of Roseau
Also written as CSB of Roseau
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Data as of · sourced from FFIEC call reports. How we update
Citizens State Bank of Roseau is an FDIC-insured commercial bank headquartered in Roseau, MN, established in 1905 (FDIC certificate 10167), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $290.9M, up 4.4% from Q2 2025, the 93rd largest of 221 banks headquartered in Minnesota. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.30% 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
- 10167
- Headquarters
- Roseau, MN
- Established
- 1905
- Total assets, Q2 2026
- $290.9M
- Assets vs Q2 2025
- +4.4%
- Tier 1 leverage ratio, Q2 2026
- 13.30%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 091204527
- Latest call report
- Q2 2026, FFIEC 051 · Citizens State Bank of Roseau Q3 2026 call report, filed October 26, 2026 (preliminary)
- Holding company
- ROSEAU REALTY CO., INC.
- Asset rank in state
- 93rd of 221 in Minnesota
Citizens State Bank of Roseau, based in Roseau, Minnesota, reported $291 million in assets at June 30, 2026, up 4.4% from a year earlier. It holds commercial real estate loans equal to only 41% of its capital, about a third the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 51 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 61 cents).
The commercial and industrial book ($20 million) is worsening: 4.41% of it is past due or on nonaccrual, up from 1.58% a year earlier. Loans are outrunning deposits: over the year loans rose 7.4% and deposits rose 2.2%. Its margin is thin by comparison: it keeps 3.43 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 Roseau reported a return on assets of 1.57%, a nonperforming-loan ratio of 0.53% and a Texas ratio of 2.47%. The figures come from its call report filed with the FFIEC.
Of the 221 banks headquartered in Minnesota, Citizens State Bank of Roseau is the 93rd largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.7% to $290.9M, loans rose 5.4% and deposits fell 0.9%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 18.2% of total loans, ahead of agricultural production loans at 18.0%. Its one office in the FDIC Summary of Deposits is in Roseau, MN. By the capital ratios in its Q2 2026 call report, Citizens State Bank of Roseau meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 118 Main Ave S, Roseau, MN 56751
- County
- Roseau
- 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 051
- Established
- May 3, 1905
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 36
- Domestic deposits
- $248.0M
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- $139K
- Average total assets
- $295.9M
- Average total loans
- $156.8M
- Average interest-bearing deposits
- $197.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10167
- Fed RSSD
- 822051
- Website
- www.citizensros.com →
- Parent Holding Company
- ROSEAU REALTY CO., INC. (RSSD 2613589)
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 Roseau reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Citizens State Bank of Roseau's total assets ran between $278.5M (Q2 2025) and $308.6M (Q1 2024), 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
$290.9M total assets against $278.5M; $256.3M total liabilities against $247.0M.
$166.8M net loans and leases against $155.1M; $248.0M total deposits against $242.6M.
$116.0M securities against $114.9M; $2.8M cash and balances due against $3.1M.
$3.5M total interest income against $3.4M; $1.1M total interest expense against $1.1M.
$2.4M net interest income against $2.3M.
$175K total noninterest income against $280K; $1.4M total noninterest expense against $1.3M.
$63K provision for credit losses against $148K.
$1.2M net income against $1.1M.
1.57% return on assets against 1.47%; 3.43% net interest margin against 3.25%.
13.30% tier 1 leverage ratio against 12.94%.
Inside the full Citizens State Bank of Roseau terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCitizens State Bank of Roseau rankings
Its closest position to the top of a national ranking is 840 of 3,606, for efficiency ratio; its furthest is 2,507 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.16% (Q4 2024) to 1.57% (Q2 2026) and its net interest margin ran from 2.66% (Q3 2024) to 3.43% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.30% | 1.57% | 0.53% | 2.47% | 3.43% |
| Q1 2026 | 13.39% | 1.45% | 0.36% | 1.59% | 3.37% |
| Q4 2025 | 13.24% | 1.35% | 0.31% | 1.42% | 3.36% |
| Q3 2025 | 13.24% | 1.45% | 0.53% | 2.40% | 3.30% |
| Q2 2025 | 12.94% | 1.47% | 0.49% | 2.28% | 3.25% |
| Q1 2025 | 12.94% | 1.47% | 0.46% | 2.40% | 2.97% |
| Q4 2024 | 12.02% | 1.16% | 0.48% | 2.82% | 2.80% |
| Q3 2024 | 11.56% | 1.25% | 0.40% | 2.24% | 2.66% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Citizens State Bank of Roseau (main office) | Roseau , MN | 56751 | $248.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MN, rank 124 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $2.9M approved, $2.9M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 Roseau
What are Citizens State Bank of Roseau's total assets?
As of the Q2 2026 filing, Citizens State Bank of Roseau reported total assets of $290.9 million in its FFIEC call report.
Where is Citizens State Bank of Roseau headquartered?
It is headquartered in Roseau, MN, United States.
When was Citizens State Bank of Roseau founded?
It was established in 1905, per the FDIC institution directory.
Is Citizens State Bank of Roseau FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10167). 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 Roseau?
Citizens State Bank of Roseau's primary federal regulator is the FDIC.
How many branches does Citizens State Bank of Roseau operate?
It operates 1 domestic office, 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 Roseau's Texas Ratio?
Its Texas Ratio is 2.47% 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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