Citizens State Bank
| Weiss Ratings |
Citizens State Bank
Monticello, IA |
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| Rating | ||||
| Asset Quality Index | 4.40 | |||
| Capitalization Index | 8.70 | |||
| Liquidity Index | 2.00 | |||
| Profitability Index | 4.20 | |||
| Stability Index | 3.90 | |||
| Company Info |
Citizens State Bank
Monticello, IA |
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| FDIC Number | 9047 | |||
| Phone Number | (319) 465-5921 | |||
| Website | www.mycsb.bank | |||
| Asset Quality |
Citizens State Bank
Monticello, IA |
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| 1-Year Asset Growth | 5.47% | |||
| 5-Year Asset Growth | 6.43% | |||
| 5-Year Charge-Offs to Average Loans | 0.02% | |||
| Charge-Offs to Average Loans | 0.02% | |||
| Non-Performing Assets to Assets | 0.84% | |||
| Non-Performing Loans to Capital | 6.60% | |||
| Non-Performing Loans to Loans | 1.47% | |||
| Balance Sheet |
Citizens State Bank
Monticello, IA |
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| Total Assets | 594.40M | |||
| Total Deposits | 537.76M | |||
| Capital and Reserves |
Citizens State Bank
Monticello, IA |
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| Capital | 39.58M | |||
| Leverage Ratio | 11.48 | |||
| Loan Loss Reserves to Loans | 1.18% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Citizens State Bank
Monticello, IA |
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| Hot Money Ratio | 22.55% | |||
| Liquidity Ratio | 25.56% | |||
| Profitability |
Citizens State Bank
Monticello, IA |
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| 5-Year Return on Average Assets | 0.94% | |||
| Net Income | 3.47M | |||
| Net Interest Spread | 3.13% | |||
| Operating Profit to Average Assets | 1.17% | |||
| Overhead Efficiency Ratio | 64.24% | |||
| Return on Assets | 1.15% | |||
| Return on Equity | 18.96% | |||