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Citizens Bank Minnesota
New Ulm, MN · FDIC Certificate #8200 · Chartered 12/1
Total assets
$595.96M
Total deposits
$498.74M
Total equity
$53.87M
Net loans
$401.60M
Branches (offices)
6
Net income (YTD)
$2.52M
Rank: #1,565 of 4,213 U.S. banks by assets · #40 of 221 in Minnesota. Assets changed 2.7% and deposits 1.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.85% |
| Return on equity | 9.45% |
| Net interest margin (YTD) | 3.17% |
| Equity to assets | 9.04% |
| Tier 1 leverage ratio | 9.33% |
| Uninsured deposits (share of deposits) | 16.9% |
| Noncurrent loans (share of loans) | 0.02% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 80.5% |
| Real estate loans (share of loans) | 75.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $302.74M | 75.4% | |
| Commercial & industrial | $24.71M | 6.2% | |
| Consumer / individual | $4.99M | 1.2% | |
| Construction & development | $5.21M | 1.3% | |
| Agricultural | $72.06M | 17.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $565.50M | $510.03M | $1.98M | $42.80M |
| Jun 2023 | $578.18M | $505.47M | $1.20M | $41.53M |
| Jun 2024 | $563.97M | $478.04M | $545.00K | $44.66M |
| Jun 2025 | $580.25M | $493.25M | $1.08M | $49.57M |
| Jun 2026 | $595.96M | $498.74M | $2.52M | $53.87M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $498.74M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $498.74M.
Similar-sized banks
Gulf Capital Bank ($596.45M) · Cattlemens Bank ($595.21M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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