Citizens State Bank

BankMonticello, Iowa
www.mycsb.bank

Total Assets

$596.3M

Total Deposits

$544.0M

Branches

8

Established

1931

TFS Health Grade

$
D-

61.3 / 100

Below average financial health

How we grade

Citizens State Bank is a bank headquartered in Monticello, Iowa, established in 1931. With $596.3M in total assets and 8 branch locations, it has a TFS Financial Health Grade of D- (61.3/100).

Capital & Safety

Tier 1 Capital Ratio
10.78%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
1.51%

Profitability

Return on Assets (ROA)
0.70%(1%)
Return on Equity (ROE)
13.90%(10%)
Net Interest Margin
2.58%
Efficiency Ratio
66.31%(60%)

Lending & Liquidity

Total Loans
$330.2M
Loan-to-Deposit Ratio
60.01%
Net Charge-Off Ratio
0.01%

Growth

Asset Growth (YoY)
+8.39%
Deposit Growth (YoY)
+8.30%
Net Income
$4.0M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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