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Citizens Bank Of The Midwest
Rolla, MO · FDIC Certificate #16126 · Chartered 02/2
Total assets
$238.26M
Total deposits
$191.61M
Total equity
$14.19M
Net loans
$163.91M
Branches (offices)
3
Net income (YTD)
$1.25M
Rank: #2,778 of 4,213 U.S. banks by assets · #115 of 190 in Missouri. Assets changed -0.1% and deposits -3.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.03% |
| Return on equity | 17.62% |
| Net interest margin (YTD) | 3.17% |
| Equity to assets | 5.96% |
| Tier 1 leverage ratio | 8.39% |
| Uninsured deposits (share of deposits) | 31.7% |
| Noncurrent loans (share of loans) | 0.33% |
| Net charge-offs (share of loans) | -0.04% |
| Loans to deposits | 85.5% |
| Real estate loans (share of loans) | 90.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $148.98M | 90.9% | |
| Commercial & industrial | $13.83M | 8.4% | |
| Consumer / individual | $3.27M | 2.0% | |
| Construction & development | $13.20M | 8.1% | |
| Agricultural | $8.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $172.87M | $161.73M | $783.00K | $10.78M |
| Jun 2023 | $190.86M | $166.82M | $1.29M | $10.48M |
| Jun 2024 | $207.52M | $167.34M | $795.00K | $11.07M |
| Jun 2025 | $238.39M | $198.17M | $1.33M | $12.23M |
| Jun 2026 | $238.26M | $191.61M | $1.25M | $14.19M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $191.61M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $191.61M.
Similar-sized banks
Spring Hill State Bank ($238.49M) · Buckeye Community Bank ($238.25M)
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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