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Citizens State Bank
Cadott, WI · FDIC Certificate #2467 · Chartered 08/2
Total assets
$237.59M
Total deposits
$196.80M
Total equity
$21.21M
Net loans
$197.72M
Branches (offices)
6
Net income (YTD)
$1.48M
Rank: #2,780 of 4,213 U.S. banks by assets · #113 of 153 in Wisconsin. Assets changed 1.8% and deposits 4.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.21% |
| Return on equity | 14.33% |
| Net interest margin (YTD) | 4.36% |
| Equity to assets | 8.93% |
| Tier 1 leverage ratio | 8.77% |
| Uninsured deposits (share of deposits) | 16.9% |
| Noncurrent loans (share of loans) | 0.99% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 100.5% |
| Real estate loans (share of loans) | 89.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $177.52M | 89.8% | |
| Commercial & industrial | $9.47M | 4.8% | |
| Consumer / individual | $3.69M | 1.9% | |
| Construction & development | $13.03M | 6.6% | |
| Agricultural | $8.11M | 4.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $168.63M | $150.85M | $468.00K | $12.16M |
| Jun 2023 | $222.91M | $188.68M | $271.00K | $15.97M |
| Jun 2024 | $231.43M | $200.04M | $532.00K | $16.98M |
| Jun 2025 | $233.49M | $188.49M | $930.00K | $19.09M |
| Jun 2026 | $237.59M | $196.80M | $1.48M | $21.21M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Wisconsin | $196.80M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $196.80M.
Similar-sized banks
Buckeye Community Bank ($238.25M) · Alpine Capital Bank ($237.31M)
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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