Citizens Savings Bank (Clarks Summit, PA): Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Operating from Clarks Summit, PA, Citizens Savings Bank serves its local market as an FDIC-insured commercial bank. The Q2 2026 balance sheet stands at $359M in assets, including $299M in loans. Profitability runs below industry average: 0.32% ROA, 2.17% ROE, with NIM at 2.59%. Capital is comfortably above regulatory requirements, CET1 ratio of 29.63% sits well above the 7% level required once the capital conservation buffer is included. Credit metrics are pristine, with nonperforming loans at just 0.39%. It operates 6 branches, primarily in Pennsylvania.
As of June 30, 2026, Citizens Savings Bank reported a CET1 capital ratio of 29.63%, a return on assets of 0.32%, a nonperforming-loan ratio of 0.39%, a Texas ratio of 2.12%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 500 S State St, Clarks Summit, PA 18411
- County
- Lackawanna
- Metro Area
- Scranton--Wilkes-Barre, PA
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1902
- Offices
- 6 domestic
- Employees (FTE)
- 56
- Domestic deposits
- $304.0M
- Allowance for credit losses
- $1.0M
- Net charge-offs (YTD)
- $6K
- Average total assets
- $359.3M
- Average total loans
- $295.5M
- Average interest-bearing deposits
- $274.9M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 31184
- Fed RSSD
- 828473
- Website
- citizens-savings.com →
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Citizens Savings Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Citizens Savings Bank, freeCitizens Savings Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Citizens Savings Bank: CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 29.63% | 0.32% | 0.39% | 2.12% | 2.59% |
| Q1 2026 | 30.11% | 0.16% | 0.39% | 2.08% | 2.57% |
| Q4 2025 | 30.39% | 0.27% | 0.35% | 1.90% | 2.51% |
| Q3 2025 | 30.33% | 0.12% | 0.42% | 2.30% | 2.51% |
| Q2 2025 | 30.06% | 0.52% | 0.60% | 3.29% | 2.58% |
| Q1 2025 | 29.78% | 0.09% | 0.38% | 2.09% | 2.45% |
| Q4 2024 | 29.46% | 0.68% | 0.33% | 1.85% | 2.10% |
| Q3 2024 | 29.32% | 0.08% | 0.44% | 2.53% | 2.19% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 6 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Citizens Savings Bank (main office) | Clarks Summit , PA | 18411 | $85.7M |
| Southside Branch | Scranton , PA | 18505 | $80.5M |
| West Side Branch | Scranton , PA | 18504 | $43.6M |
| Taylor Branch | Taylor , PA | 18517 | $36.4M |
| Mount Pocono Branch | Mount Pocono , PA | 18344 | $33.5M |
| Honesdale Branch | Honesdale , PA | 18431 | $24.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 31, 1984 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1984 | Structure Change | Acquired Sayre Savings & Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 1984 | Structure Change | Acquired Athens Building, Loan and Savings Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 2, 1983 | Structure Change | Acquired Fairview Savings & Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 1982 | Structure Change | Acquired Keystone Savings & Loan Association of Wilkes-Barre Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 1, 1980 | Structure Change | Acquired Northeast Savings & Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
What the public regulatory sources show for Citizens Savings Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC (former OTS)); 1 against individuals associated with it
- July 17, 1990, OCC (former OTS): Cease and Desist: Citizens Savings Association
- Period: Most recent institution action July 17, 1990. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in PA, rank 99 of 148 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Citizens Savings Bank’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Citizens Savings Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about Citizens Savings Bank
What are Citizens Savings Bank's total assets?
As of the Q2 2026 filing, Citizens Savings Bank reported total assets of $359.0 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Citizens Savings Bank headquartered?
Citizens Savings Bank is headquartered in Clarks Summit, PA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Citizens Savings Bank founded?
Citizens Savings Bank was established in 1902, per the FDIC institution directory.
Is Citizens Savings Bank FDIC-insured?
Yes. Citizens Savings Bank is an FDIC-insured commercial bank (FDIC Certificate #31184). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Savings Bank?
Citizens Savings Bank's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Citizens Savings Bank's CET1 capital ratio?
Citizens Savings Bank reported a Common Equity Tier 1 (CET1) capital ratio of 29.63% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Citizens Savings Bank operate?
Citizens Savings Bank operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens Savings Bank's Texas Ratio?
Citizens Savings Bank's Texas Ratio is 2.12% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
Go deeper on Citizens Savings Bank.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Citizens Savings Bank, freeFree account