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Citizens State Bank
Sheldon, IA · FDIC Certificate #18356 · Chartered 03/1
Total assets
$194.66M
Total deposits
$166.12M
Total equity
$24.70M
Net loans
$130.07M
Branches (offices)
2
Net income (YTD)
$1.71M
Rank: #3,008 of 4,213 U.S. banks by assets · #146 of 225 in Iowa. Assets changed 3.3% and deposits 0.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.74% |
| Return on equity | 14.33% |
| Net interest margin (YTD) | 3.55% |
| Equity to assets | 12.69% |
| Tier 1 leverage ratio | 12.45% |
| Uninsured deposits (share of deposits) | 20.7% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 78.3% |
| Real estate loans (share of loans) | 63.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $82.33M | 63.3% | |
| Commercial & industrial | $10.93M | 8.4% | |
| Consumer / individual | $6.26M | 4.8% | |
| Construction & development | $2.54M | 2.0% | |
| Agricultural | $30.56M | 23.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $179.13M | $162.02M | $945.00K | $16.90M |
| Jun 2023 | $173.88M | $151.06M | $935.00K | $17.39M |
| Jun 2024 | $193.67M | $150.12M | $931.00K | $19.11M |
| Jun 2025 | $188.43M | $165.76M | $1.22M | $21.72M |
| Jun 2026 | $194.66M | $166.12M | $1.71M | $24.70M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $166.12M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $166.12M.
Similar-sized banks
The Fidelity State Bank And Trust Company ($194.79M) · Central Federal Savings And Loan Association ($194.65M)
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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