| Weiss Ratings |
Citizens State Bank
Royal Oak, MI |
Click to Compare |
Click to Compare |
Click to Compare |
| Rating | ||||
| Asset Quality Index | 4.70 | |||
| Capitalization Index | 7.00 | |||
| Liquidity Index | 2.70 | |||
| Profitability Index | 8.00 | |||
| Stability Index | 5.40 | |||
| Company Info |
Citizens State Bank
Royal Oak, MI |
Click to Compare |
Click to Compare |
Click to Compare |
| FDIC Number | 8183 | |||
| Phone Number | (248) 833-6160 | |||
| Website | www.micsb.com | |||
| Asset Quality |
Citizens State Bank
Royal Oak, MI |
Click to Compare |
Click to Compare |
Click to Compare |
| 1-Year Asset Growth | 60.90% | |||
| 5-Year Asset Growth | 145.48% | |||
| 5-Year Charge-Offs to Average Loans | 0.08% | |||
| Charge-Offs to Average Loans | 0.17% | |||
| Non-Performing Assets to Assets | 0.33% | |||
| Non-Performing Loans to Capital | 6.95% | |||
| Non-Performing Loans to Loans | 0.27% | |||
| Balance Sheet |
Citizens State Bank
Royal Oak, MI |
Click to Compare |
Click to Compare |
Click to Compare |
| Total Assets | 526.61M | |||
| Total Deposits | 481.39M | |||
| Capital and Reserves |
Citizens State Bank
Royal Oak, MI |
Click to Compare |
Click to Compare |
Click to Compare |
| Capital | 43.02M | |||
| Leverage Ratio | 9.01 | |||
| Loan Loss Reserves to Loans | 1.17% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Citizens State Bank
Royal Oak, MI |
Click to Compare |
Click to Compare |
Click to Compare |
| Hot Money Ratio | 9.28% | |||
| Liquidity Ratio | 27.16% | |||
| Profitability |
Citizens State Bank
Royal Oak, MI |
Click to Compare |
Click to Compare |
Click to Compare |
| 5-Year Return on Average Assets | 0.92% | |||
| Net Income | 5.82M | |||
| Net Interest Spread | 4.59% | |||
| Operating Profit to Average Assets | 1.73% | |||
| Overhead Efficiency Ratio | 48.85% | |||
| Return on Assets | 1.39% | |||
| Return on Equity | 16.26% | |||