B
Citizens Savings Bank
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Citizens Savings Bank
Marshalltown, IA
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Rating B
Asset Quality Index 8.70
Capitalization Index 8.10
Liquidity Index 3.30
Profitability Index 6.10
Stability Index 5.70
Company Info Citizens Savings Bank
Marshalltown, IA
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FDIC Number 14785
Phone Number (641) 844-1441
Website www.citizenssavingsbank.com
Asset Quality Citizens Savings Bank
Marshalltown, IA
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1-Year Asset Growth 9.29%
5-Year Asset Growth 4.52%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.00%
Non-Performing Loans to Loans 0.00%
Balance Sheet Citizens Savings Bank
Marshalltown, IA
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Total Assets 78.11M
Total Deposits 65.18M
Capital and Reserves Citizens Savings Bank
Marshalltown, IA
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Capital 7.63M
Leverage Ratio 9.76
Loan Loss Reserves to Loans 0.92%
Risk-Based Capital Ratio 15.48
Liquidity Citizens Savings Bank
Marshalltown, IA
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Hot Money Ratio 10.24%
Liquidity Ratio 37.51%
Profitability Citizens Savings Bank
Marshalltown, IA
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5-Year Return on Average Assets 1.14%
Net Income 856.00K
Net Interest Spread 3.87%
Operating Profit to Average Assets 1.50%
Overhead Efficiency Ratio 61.37%
Return on Assets 1.47%
Return on Equity 15.62%