C
Citizens State Bank
Rating Date
March 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
10.78
Return On
Assets
0.68%
Total
Assets
596.31M
Capital
35.50M
Total
Deposits
544.02M
Net
Income
3.99M
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Weiss Ratings Citizens State Bank
Monticello, IA 		Click to
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Rating C
Asset Quality Index 4.70
Capitalization Index 7.50
Liquidity Index 2.30
Profitability Index 3.20
Stability Index 3.90
Company Info Citizens State Bank
Monticello, IA 		Click to
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FDIC Number 9047
Phone Number (319) 465-5921
Website www.mycsb.bank
Asset Quality Citizens State Bank
Monticello, IA 		Click to
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1-Year Asset Growth 8.39%
5-Year Asset Growth 6.43%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.89%
Non-Performing Loans to Capital 7.29%
Non-Performing Loans to Loans 1.55%
Balance Sheet Citizens State Bank
Monticello, IA 		Click to
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Total Assets 596.31M
Total Deposits 544.02M
Capital and Reserves Citizens State Bank
Monticello, IA 		Click to
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Capital 35.50M
Leverage Ratio 10.78
Loan Loss Reserves to Loans 1.15%
Risk-Based Capital Ratio --
Liquidity Citizens State Bank
Monticello, IA 		Click to
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Hot Money Ratio 21.99%
Liquidity Ratio 27.55%
Profitability Citizens State Bank
Monticello, IA 		Click to
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5-Year Return on Average Assets 1.16%
Net Income 3.99M
Net Interest Spread 2.82%
Operating Profit to Average Assets 0.69%
Overhead Efficiency Ratio 70.52%
Return on Assets 0.68%
Return on Equity 14.05%