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Citizens Savings Bank
Marshalltown, IA · FDIC Certificate #14785 · Chartered 01/0
Total assets
$77.93M
Total deposits
$64.60M
Total equity
$7.98M
Net loans
$49.35M
Branches (offices)
3
Net income (YTD)
$411.00K
Rank: #3,855 of 4,213 U.S. banks by assets · #203 of 225 in Iowa. Assets changed -0.9% and deposits -1.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.07% |
| Return on equity | 10.46% |
| Net interest margin (YTD) | 4.12% |
| Equity to assets | 10.24% |
| Tier 1 leverage ratio | 9.90% |
| Uninsured deposits (share of deposits) | 19.2% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 76.4% |
| Real estate loans (share of loans) | 58.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $28.67M | 58.1% | |
| Commercial & industrial | $4.88M | 9.9% | |
| Consumer / individual | $848.00K | 1.7% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $15.36M | 31.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $77.03M | $70.64M | $515.00K | $6.23M |
| Jun 2023 | $75.58M | $68.66M | $631.00K | $6.64M |
| Jun 2024 | $75.65M | $63.46M | $494.00K | $6.90M |
| Jun 2025 | $78.60M | $65.87M | $555.00K | $7.45M |
| Jun 2026 | $77.93M | $64.60M | $411.00K | $7.98M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $64.60M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $64.60M.
Similar-sized banks
Sherwood Community Bank ($77.93M) · The First National Bank Of Blanchester ($77.67M)
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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