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 Citizens State Bank
Citizens State Bank
| RSSD ID 795548 | CERTIFICATE 9047 | ABA NUMBER 73921190 |
| 117 W 1st St |
Quarter Ended : |
2025-12-31 |
| Monticello, Iowa, 52310 |
Updated : |
2026-01-27 |
| www.mycsb.bank |
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| Institution Profile |
| Year Opened : |
1931 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
Yes |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
Yes |
| Filing Type : |
051 |
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| Specialization : |
Agricultural Specialization |
| Number of Offices : |
8 |
Number of Employees : |
70 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 596,307 |
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Total Interest Income | 27,374 |
| Total Liabilities | 560,812 |
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Total NonInterest Income | 4,036 |
| Total Bank Equity Capital | 35,495 |
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Total Interest Expense | 13,717 |
| Total Deposits | 544,023 |
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Total NonInterest Expense | 12,477 |
| Net Loans & Leases | 326,448 |
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Net Income | 3,985 |
| Loan Loss Allowance | 3,795 |
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Net Charge Offs | 25 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 310,271 |
| Total assets for the leverage ratio | 609,288 |
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Loans secured by real estate: | 186,723 |
| Tier 1 Leverage Ratio | 10.78 |
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Commercial and industrial loans | 40,691 |
| Off Balance Sheet Exposures (%) | 3.4 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0.85 |
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Loans to individuals - Other | 5,090 |
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:· Citizens State Bank
