C
Citizens State Bank of Waverly (Incorporated)
Waverly,  MN
Rating Date
October 2025
Risk Based
Capital Ratio
18.81
Leverage
Ratio
9.85
Return On
Assets
0.57%
Total
Assets
112.81M
Capital
9.05M
Total
Deposits
103.33M
Net
Income
328.00K
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Weiss Ratings Citizens State Bank of Waverly (Incorporated)
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Rating C
Asset Quality Index 8.20
Capitalization Index 8.30
Liquidity Index 3.80
Profitability Index 0.90
Stability Index 4.80
Company Info Citizens State Bank of Waverly (Incorporated)
Waverly, MN 		Click to
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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 0.03%
5-Year Asset Growth 7.51%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.05%
Non-Performing Assets to Assets 0.14%
Non-Performing Loans to Capital 1.34%
Non-Performing Loans to Loans 3.46%
Balance Sheet Citizens State Bank of Waverly (Incorporated)
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Total Assets 112.81M
Total Deposits 103.33M
Capital and Reserves Citizens State Bank of Waverly (Incorporated)
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Capital 9.05M
Leverage Ratio 9.85
Loan Loss Reserves to Loans 1.47%
Risk-Based Capital Ratio 18.81
Liquidity Citizens State Bank of Waverly (Incorporated)
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Hot Money Ratio 11.76%
Liquidity Ratio 31.72%
Profitability Citizens State Bank of Waverly (Incorporated)
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5-Year Return on Average Assets 0.94%
Net Income 328.00K
Net Interest Spread 2.84%
Operating Profit to Average Assets 0.76%
Overhead Efficiency Ratio 72.43%
Return on Assets 0.57%
Return on Equity 7.71%