Citizens State Bank of Roseau: 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.
Reserve coverage of non-performing loans climbed 11.72 percentage points in Q2 2026, from 294.85% to 306.57%. It was the largest change from Q1 2026 among the key lines here. Citizens State Bank of Roseau ranks 81st of 221 Minnesota banks on return on assets, in the upper half at 1.57% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Citizens State Bank of Roseau sits 0.33 points higher, at 1.57% (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 | 13.30% |
| Equity capital to assets | 11.89% |
| Tangible equity to tangible assets | 11.89% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.33% |
| Non-performing assets ratio | 0.19% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 2.47% |
| Allowance for credit losses to loans | 1.02% |
| Reserve coverage of non-performing loans | 306.57% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.57% |
| Return on equity | 13.57% |
| Net interest margin | 3.43% |
| Efficiency ratio | 50.99% |
| Yield on earning assets | 4.86% |
| Cost of funds | 1.64% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 67.96% |
| Core deposits to total deposits | 92.47% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.24% |
| Securities to assets | 39.89% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.29% | 0.86% | 2.39% | 0.36% | 0.02% |
| Q4 2023 | 12.37% | 0.75% | 2.46% | 0.31% | 0.03% |
| Q1 2024 | 11.39% | 0.85% | 2.37% | 0.31% | 0.00% |
| Q2 2024 | 11.37% | 1.14% | 2.54% | 0.74% | 0.00% |
| Q3 2024 | 11.56% | 1.25% | 2.66% | 0.68% | 0.11% |
| Q4 2024 | 12.02% | 1.16% | 2.80% | 0.60% | 0.26% |
| Q1 2025 | 12.94% | 1.47% | 2.97% | 0.74% | 0.13% |
| Q2 2025 | 12.94% | 1.47% | 3.25% | 0.48% | 0.21% |
| Q3 2025 | 13.24% | 1.45% | 3.30% | 0.37% | 0.31% |
| Q4 2025 | 13.24% | 1.35% | 3.36% | 0.14% | 0.57% |
| Q1 2026 | 13.39% | 1.45% | 3.37% | 0.35% | 0.37% |
| Q2 2026 | 13.30% | 1.57% | 3.43% | 0.33% | -0.01% |
Citizens State Bank of Roseau vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens State Bank of Roseau, 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 Roseau profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10167) · FFIEC NIC profile (RSSD 822051)