Citizens State Bank

BankSheldon, Iowa
http://www.csbsheldon.com

Total Assets

$198.8M

Total Deposits

$174.7M

Branches

2

Established

1961

TFS Health Grade

$
C-

71.2 / 100

Average financial health

How we grade

Citizens State Bank is a bank headquartered in Sheldon, Iowa, established in 1961. With $198.8M in total assets and 2 branch locations, it has a TFS Financial Health Grade of C- (71.2/100).

Capital & Safety

Tier 1 Capital Ratio
11.74%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.00%

Profitability

Return on Assets (ROA)
1.40%(1%)
Return on Equity (ROE)
12.20%(10%)
Net Interest Margin
3.19%
Efficiency Ratio
52.23%(60%)

Lending & Liquidity

Total Loans
$127.2M
Loan-to-Deposit Ratio
71.91%
Net Charge-Off Ratio
0.00%

Growth

Asset Growth (YoY)
+8.13%
Deposit Growth (YoY)
+7.46%
Net Income
$2.7M

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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