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Citizens State Bank Of Lankin
Lankin, ND · FDIC Certificate #9422 · Chartered 05/1
Total assets
$72.11M
Total deposits
$61.43M
Total equity
$6.35M
Net loans
$52.56M
Branches (offices)
4
Net income (YTD)
$430.00K
Rank: #3,894 of 4,213 U.S. banks by assets · #53 of 60 in North Dakota. Assets changed 4.5% and deposits 10.4% 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 | 13.88% |
| Net interest margin (YTD) | 4.86% |
| Equity to assets | 8.81% |
| Tier 1 leverage ratio | 10.13% |
| Uninsured deposits (share of deposits) | 28.1% |
| Noncurrent loans (share of loans) | 1.58% |
| Net charge-offs (share of loans) | 0.25% |
| Loans to deposits | 85.6% |
| Real estate loans (share of loans) | 54.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $28.77M | 54.7% | |
| Commercial & industrial | $5.55M | 10.6% | |
| Consumer / individual | $4.94M | 9.4% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $13.51M | 25.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $56.11M | $51.94M | $88.00K | $4.12M |
| Jun 2023 | $60.03M | $49.75M | $362.00K | $4.46M |
| Jun 2024 | $63.89M | $49.05M | $237.00K | $4.61M |
| Jun 2025 | $69.03M | $55.65M | $389.00K | $5.18M |
| Jun 2026 | $72.11M | $61.43M | $430.00K | $6.35M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| North Dakota | $61.43M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $61.43M.
Similar-sized banks
First Heritage Bank ($72.14M) · The Peoples Savings Bank ($71.86M)
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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