C
Citizens State Bank
WisnerNE
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Citizens State Bank
Wisner, NE
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Rating C
Asset Quality Index 6.90
Capitalization Index 8.60
Liquidity Index 0.10
Profitability Index 4.60
Stability Index 3.70
Company Info Citizens State Bank
Wisner, NE
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FDIC Number 5495
Phone Number (402) 529-3291
Website www.citstatebank.com
Asset Quality Citizens State Bank
Wisner, NE
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1-Year Asset Growth 5.55%
5-Year Asset Growth 10.67%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans -0.02%
Non-Performing Assets to Assets 0.27%
Non-Performing Loans to Capital 1.24%
Non-Performing Loans to Loans 0.15%
Balance Sheet Citizens State Bank
Wisner, NE
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Total Assets 601.57M
Total Deposits 546.72M
Capital and Reserves Citizens State Bank
Wisner, NE
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Capital 49.72M
Leverage Ratio 10.15
Loan Loss Reserves to Loans 1.62%
Risk-Based Capital Ratio 13.46
Liquidity Citizens State Bank
Wisner, NE
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Hot Money Ratio 31.57%
Liquidity Ratio 8.68%
Profitability Citizens State Bank
Wisner, NE
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5-Year Return on Average Assets 1.23%
Net Income 3.46M
Net Interest Spread 3.33%
Operating Profit to Average Assets 1.09%
Overhead Efficiency Ratio 66.44%
Return on Assets 1.09%
Return on Equity 13.76%