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Citizens State Bank
Monticello, IA · FDIC Certificate #9047 · Chartered 03/1
Total assets
$594.40M
Total deposits
$537.76M
Total equity
$39.58M
Net loans
$324.21M
Branches (offices)
8
Net income (YTD)
$3.47M
Rank: #1,570 of 4,213 U.S. banks by assets · #52 of 225 in Iowa. Assets changed 5.5% and deposits 4.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.17% |
| Return on equity | 18.79% |
| Net interest margin (YTD) | 2.93% |
| Equity to assets | 6.66% |
| Tier 1 leverage ratio | 11.48% |
| Uninsured deposits (share of deposits) | 27.0% |
| Noncurrent loans (share of loans) | 1.46% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 60.3% |
| Real estate loans (share of loans) | 62.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $201.92M | 62.3% | |
| Commercial & industrial | $36.99M | 11.4% | |
| Consumer / individual | $4.43M | 1.4% | |
| Construction & development | $6.62M | 2.0% | |
| Agricultural | $78.48M | 24.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $479.71M | $455.08M | $3.19M | $7.78M |
| Jun 2023 | $493.06M | $452.36M | $1.57M | $18.11M |
| Jun 2024 | $514.04M | $462.76M | $1.06M | $21.67M |
| Jun 2025 | $563.58M | $515.46M | $1.31M | $26.79M |
| Jun 2026 | $594.40M | $537.76M | $3.47M | $39.58M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $537.76M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $537.76M.
Similar-sized banks
The First National Bank Of East Texas ($594.79M) · Crest Savings Bank ($594.24M)
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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