C
Citizens State Bank of Waverly (Incorporated)
Waverly,  MN
Rating Date
April 2025
Risk Based
Capital Ratio
19.02
Leverage
Ratio
10.12
Return On
Assets
0.91%
Total
Assets
112.91M
Capital
8.40M
Total
Deposits
104.11M
Net
Income
1.03M
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Weiss Ratings Citizens State Bank of Waverly (Incorporated)
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Rating C
Asset Quality Index 8.30
Capitalization Index 8.70
Liquidity Index 3.80
Profitability Index 4.10
Stability Index 4.60
Company Info Citizens State Bank of Waverly (Incorporated)
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FDIC Number 9337
Phone Number (763) 658-4417
Website www.bankwaverly.com
Asset Quality Citizens State Bank of Waverly (Incorporated)
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1-Year Asset Growth -2.69%
5-Year Asset Growth 7.51%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.00%
Non-Performing Loans to Loans 0.00%
Balance Sheet Citizens State Bank of Waverly (Incorporated)
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Total Assets 112.91M
Total Deposits 104.11M
Capital and Reserves Citizens State Bank of Waverly (Incorporated)
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Capital 8.40M
Leverage Ratio 10.12
Loan Loss Reserves to Loans 1.46%
Risk-Based Capital Ratio 19.02
Liquidity Citizens State Bank of Waverly (Incorporated)
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Hot Money Ratio 11.58%
Liquidity Ratio 31.53%
Profitability Citizens State Bank of Waverly (Incorporated)
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5-Year Return on Average Assets 1.07%
Net Income 1.03M
Net Interest Spread 2.84%
Operating Profit to Average Assets 0.91%
Overhead Efficiency Ratio 69.34%
Return on Assets 0.91%
Return on Equity 12.97%