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Citizens State Bank Of Loyal
Loyal, WI · FDIC Certificate #6186 · Chartered 12/1
Total assets
$311.54M
Total deposits
$250.33M
Total equity
$31.82M
Net loans
$179.97M
Branches (offices)
5
Net income (YTD)
$1.80M
Rank: #2,412 of 4,213 U.S. banks by assets · #96 of 153 in Wisconsin. Assets changed -1.6% and deposits -1.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.16% |
| Return on equity | 11.56% |
| Net interest margin (YTD) | 3.36% |
| Equity to assets | 10.22% |
| Tier 1 leverage ratio | 11.48% |
| Uninsured deposits (share of deposits) | 21.3% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 71.9% |
| Real estate loans (share of loans) | 78.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $140.33M | 78.0% | |
| Commercial & industrial | $6.88M | 3.8% | |
| Consumer / individual | $340.00K | 0.2% | |
| Construction & development | $8.46M | 4.7% | |
| Agricultural | $10.11M | 5.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $276.88M | $244.85M | $1.27M | $23.98M |
| Jun 2023 | $270.27M | $223.76M | $786.00K | $24.15M |
| Jun 2024 | $286.68M | $228.69M | $1.03M | $25.22M |
| Jun 2025 | $316.68M | $254.91M | $1.38M | $28.19M |
| Jun 2026 | $311.54M | $250.33M | $1.80M | $31.82M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Wisconsin | $250.33M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $250.33M.
Similar-sized banks
Bank Of Millbrook ($311.67M) · Horatio State Bank ($311.50M)
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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