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Citizens State Bank
Wyoming, IA · FDIC Certificate #11759 · Chartered 01/0
Total assets
$137.74M
Total deposits
$111.98M
Total equity
$22.30M
Net loans
$76.89M
Branches (offices)
4
Net income (YTD)
$976.00K
Rank: #3,402 of 4,213 U.S. banks by assets · #174 of 225 in Iowa. Assets changed 8.6% and deposits 9.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.47% |
| Return on equity | 8.86% |
| Net interest margin (YTD) | 3.85% |
| Equity to assets | 16.19% |
| Tier 1 leverage ratio | 17.93% |
| Uninsured deposits (share of deposits) | 21.5% |
| Noncurrent loans (share of loans) | 0.25% |
| Net charge-offs (share of loans) | 0.14% |
| Loans to deposits | 68.7% |
| Real estate loans (share of loans) | 38.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $29.45M | 38.3% | |
| Commercial & industrial | $12.65M | 16.5% | |
| Consumer / individual | $1.70M | 2.2% | |
| Construction & development | $1.16M | 1.5% | |
| Agricultural | $33.44M | 43.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $112.80M | $91.32M | $505.00K | $19.14M |
| Jun 2023 | $113.74M | $92.72M | $753.00K | $18.44M |
| Jun 2024 | $119.18M | $95.08M | $700.00K | $19.34M |
| Jun 2025 | $126.86M | $102.61M | $888.00K | $20.94M |
| Jun 2026 | $137.74M | $111.98M | $976.00K | $22.30M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $111.98M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $111.98M.
Similar-sized banks
First Central Bank ($137.79M) · Security First National Bank Of Hugo ($137.73M)
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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